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FNB Bank, Inc.

$100M-$1B Specialty: Other WV FDIC cert 6794

Romney, WV

8 branches across WV · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
  • Deposits +7.5% year over year ($247.8M on the books).
  • Delinquency rate 0.46%.
  • Return on assets 0.99%.
  • Efficiency ratio 68.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV
View $100M-$1B leaderboard (WV) →

FNB Bank, Inc. has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.09% above tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.33% below tier average
  • - Efficiency Ratio 4.42% above tier average
Get updates when FNB Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $277.9M
+4.6% YoY +2.2% QoQ
-$108.7M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $208.1M
+3.1% YoY +1.7% QoQ
-$50.2M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $247.8M
+7.5% YoY +2.5% QoQ
-$79.0M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 0.99%
+39.9% YoY +11.8% QoQ
-0.33% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.08%
+11.0% YoY +3.9% QoQ
+0.09% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 68.90%
-9.3% YoY -3.2% QoQ
+4.42% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.46%
-15.5% YoY +4.8% QoQ
-0.46% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 84.00%
-4.1% YoY -0.7% QoQ
+6.05% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 19.34%
-5.2% YoY +0.2% QoQ
-2.69% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.34%
-19.1% YoY +1.1% QoQ
-0.33% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 10.60%
+2.2% YoY +1.1% QoQ
-5.31% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.32%
+1.6% YoY +112.4% QoQ
-0.24% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Noninterest-Bearing 19.3%
-1.1pp YoY
0.0pp QoQ
 -2.8pp 22.1% 27.1% 22.2% 42%
Brokered Deposits 5.8%
-1.8pp YoY
-1.4pp QoQ
 -2.1pp 7.9% 3.0% 8.5% 57%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 3.9%
-0.1pp YoY
-0.4pp QoQ
 -7.7pp 11.6% 7.1% 12.5% 14%
CRE 23.7%
+1.3pp YoY
+0.3pp QoQ
 -15.9pp 39.5% 33.8% 41.4% 24%
1-4 Family 55.0%
-2.7pp YoY
-1.1pp QoQ
 +22.3pp 32.6% 52.8% 31.3% 86%
Consumer 9.6%
+0.7pp YoY
+1.1pp QoQ
 +5.5pp 4.1% 7.9% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.1% 19.7% n/a
Leverage Ratio 10.6%
+0.2pp YoY
+0.1pp QoQ
 -1.6pp 12.2% 11.6% 12.6% 43%
Total Capital Ratio n/a n/a 19.9% 18.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Full-Time Employees 64
+3 (+4.9%) YoY
+1 (+1.6%) QoQ
 +5 58 161 482 66%
Assets per Employee ($) $4.3M
-0.3% YoY
+0.6% QoQ
 -$3.2M $7.5M $6.1M $8.8M 7%
Branch Count 8
+1 (+14.3%) YoY
0 QoQ
 +3 4 13 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.5%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 50%
Allowance Coverage 2.15x
+11.3% YoY
-13.5% QoQ
 -22.00x 24.15x 6.60x 20.23x 50%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.2pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 10.8%
+2.6pp YoY
+1.1pp QoQ
 -1.4pp 12.2% 10.6% 11.6% 41%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.5% 1.7% 45%
Net Income ($, YTD) $1.4M
+45.8% YoY
— QoQ
 -$1.2M $2.6M $9.0M $40.4M 38%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

635
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#635 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (1 metrics)

2163
Tier 1 Capital Ratio
capital
Value: 10.60%
Peer Median: 15.91%
#2163 of 2643 Bottom 18.2% in $100M-$1B
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