BlastPoint's Banking Scorecard
The Fayette County National Bank of Fayetteville
Fayetteville, WV
2 branches across WV
The Fayette County National Bank of Fayetteville has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.04% below tier average
- - ROA 0.72% below tier average
- - Efficiency Ratio 8.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$157.1M
+6.2% YoY
+1.6% QoQ
|
-$229.0M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$71.5M
+2.1% YoY
+1.8% QoQ
|
-$184.2M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.0% in tier |
| Total Deposits ? |
$136.7M
-0.2% YoY
+3.3% QoQ
|
-$191.3M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
0.54%
-1.2% QoQ
|
-0.72% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.0% in tier |
| Net Interest Margin ? |
2.89%
+12.5% YoY
+3.1% QoQ
|
-1.04% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio ? |
73.35%
-22.7% YoY
-3.9% QoQ
|
+8.06% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
26% |
| Delinquency Rate ? |
0.13%
-51.0% YoY
-87.2% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
52.31%
+2.3% YoY
-1.4% QoQ
|
-24.33% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 11.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.15%
+6.8% YoY
+1.3% QoQ
|
-1.87% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.06%
-53.7% YoY
-87.2% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
21.17%
+3.3% YoY
-0.5% QoQ
|
+5.34% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
Top 11.2% in tier |
| Non-Interest Income / Assets ? |
0.09%
+12.5% YoY
-72.8% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.