BlastPoint's Banking Scorecard
The Bank of Romney
Romney, WV
7 branches across WV
The Bank of Romney has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio 4.95% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24.4% in tier
- - Margin Compression: Bottom 45.2% in tier
- - Delinquency Rate 1.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$370.5M
+3.9% YoY
+1.5% QoQ
|
-$15.6M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$264.6M
+3.6% YoY
+1.4% QoQ
|
+$8.9M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$283.0M
+5.5% YoY
+2.1% QoQ
|
-$45.0M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.21%
-9.5% YoY
-6.4% QoQ
|
-0.06% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
4.41%
-2.3% YoY
-4.5% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
60.33%
-1.5% YoY
-1.0% QoQ
|
-4.95% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
1.92%
-12.5% YoY
-7.6% QoQ
|
+1.03% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.4% in tier |
| Loan-to-Deposit Ratio ? |
93.49%
-1.8% YoY
-0.6% QoQ
|
+16.85% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
26.76%
-1.2% YoY
+4.7% QoQ
|
+4.74% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.37%
-36.4% YoY
-21.1% QoQ
|
+0.73% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.2% in tier |
| Tier 1 Capital Ratio ? |
15.91%
+2.3% YoY
+0.7% QoQ
|
+0.08% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.15%
+9.2% YoY
-71.9% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.