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The Bank of Romney

$100M-$1B Specialty: Commercial WV FDIC cert 845

Romney, WV

7 branches across WV

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 +8.6% year over year ($283.5M on the books).
  • Delinquency rate 1.74%.
  • Return on assets 1.37%.
  • Efficiency ratio 57.03% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.16% 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) →

The Bank of Romney 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 0.64% above tier average
  • + Efficiency Ratio 7.45% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 31.5% in tier
  • - Credit Risk Growth: Bottom 37.4% in tier
Get updates when The Bank of Romney releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $368.8M
+5.4% YoY -0.5% QoQ
-$17.8M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $266.9M
+5.3% YoY +0.9% QoQ
+$8.6M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $283.5M
+8.6% YoY +0.2% QoQ
-$43.2M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.37%
-1.6% YoY +13.7% QoQ
+0.05% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
57%
Net Interest Margin ? 4.63%
-4.6% YoY +4.9% QoQ
+0.64% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
83%
Efficiency Ratio ? 57.03%
-2.1% YoY -5.5% QoQ
-7.45% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 1.74%
+26.4% YoY -9.2% QoQ
+0.82% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 94.16%
-3.1% YoY +0.7% QoQ
+16.21% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 26.70%
-0.1% YoY -0.2% QoQ
+4.67% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 1.26%
-20.8% YoY -8.0% QoQ
+0.59% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 15.97%
+0.7% YoY +0.4% QoQ
+0.06% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.28%
+3.9% YoY +87.7% QoQ
-0.29% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
68%

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 26.7%
0.0pp YoY
-0.1pp QoQ
 +4.6pp 22.1% 27.1% 22.2% 72%
Brokered Deposits 0.0%
-1.0pp YoY
-0.7pp QoQ
 -7.9pp 7.9% 3.0% 8.5% 4%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 3.9%
+1.2pp YoY
+0.1pp QoQ
 -7.7pp 11.6% 7.1% 12.5% 14%
CRE 30.7%
+0.1pp YoY
+1.1pp QoQ
 -8.8pp 39.5% 33.8% 41.4% 36%
1-4 Family 57.7%
-0.5pp YoY
-0.8pp QoQ
 +25.1pp 32.6% 52.8% 31.3% 88%
Consumer 6.1%
-0.2pp YoY
-0.2pp QoQ
 +2.0pp 4.1% 7.9% 5.0% 82%

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 16.0%
+0.1pp YoY
+0.1pp QoQ
 +3.8pp 12.2% 11.6% 12.6% 90%
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 69
-1 (-1.4%) YoY
-1 (-1.4%) QoQ
 +10 58 161 482 70%
Assets per Employee ($) $5.3M
+6.9% YoY
+1.0% QoQ
 -$2.2M $7.5M $6.1M $8.8M 20%
Branch Count 7
0 YoY
0 QoQ
 +2 4 13 18 75%

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 1.7%
+0.4pp YoY
-0.2pp QoQ
 +0.8pp 0.9% 0.7% 1.0% 84%
Allowance Coverage 0.54x
-25.5% YoY
+11.3% QoQ
 -23.61x 24.15x 6.60x 20.23x 11%
Net Charge-off Rate (YTD) 0.2%
-0.2pp YoY
+0.1pp 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 8.5%
-0.6pp YoY
+1.0pp QoQ
 -3.7pp 12.2% 10.6% 11.6% 28%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.5% 1.7% 46%
Net Income ($, YTD) $2.5M
+2.7% YoY
— QoQ
 -$32K $2.6M $9.0M $40.4M 62%

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 (2)

Liquidity Strain

risk
#219 of 691 • Bottom 31.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.16%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#351 of 936 • Bottom 37.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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)

445
Net Interest Margin
profitability
Value: 4.63%
Peer Median: 3.99%
#445 of 2643 Top 16.8% in $100M-$1B

Top Weaknesses (3 metrics)

2234
Nonperforming Asset Ratio
credit_quality
Value: 1.26%
Peer Median: 0.67%
#2234 of 2643 Bottom 15.5% in $100M-$1B
2222
Delinquency Rate
credit_quality
Value: 1.74%
Peer Median: 0.92%
#2222 of 2633 Bottom 15.6% in $100M-$1B
2175
Loan-to-Deposit Ratio
liquidity
Value: 94.16%
Peer Median: 77.95%
#2175 of 2643 Bottom 17.7% in $100M-$1B
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