BlastPoint's Banking Scorecard

FNB Bank, Inc.

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

Romney, WV

8 branches across WV · VA

2664 banks in the $100M-$1B peer group nationally 33 in WV

FNB Bank, Inc. has 1 strength but faces 3 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

+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 30.2% in tier
- ROA 0.38% below tier average
- Efficiency Ratio 5.88% above tier average

Get updates when FNB Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$271.9M +2.2% YoY -0.8% QoQ	-$114.2M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$204.6M +4.5% YoY -0.4% QoQ	-$51.1M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$241.8M +4.4% YoY +0.1% QoQ	-$86.2M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	0.89% +32.3% YoY +4.6% QoQ	-0.38%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.93% +7.9% YoY +1.7% QoQ	+0.00%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	71.17% -8.4% YoY -1.4% QoQ	+5.88%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.43% -23.8% YoY -0.9% QoQ	-0.45%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	84.61% +0.1% YoY -0.5% QoQ	+7.97%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	19.31% -5.1% YoY +2.0% QoQ	-2.71%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	0.34% -21.8% YoY -0.8% QoQ	-0.30%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	10.49% +0.6% YoY +2.4% QoQ	-5.34%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.15% +3.6% YoY -75.8% QoQ	-0.13%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	74%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Capital Thin

risk

#202 of 666 • Bottom 30.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.49%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2235

Tier 1 Capital Ratio

capital

Value: 10.49%

Peer Median: 15.83%

#2235 of 2664 Bottom 16.1% in $100M-$1B