The Fayette County National Bank of Fayetteville: how it compares with its peers
Against 17 WV banks with half to twice its assets, The Fayette County National Bank of Fayetteville's strongest measure in Q2 2026 is assets per employee ($7.2M vs. a $5.3M peer median). Its weakest relative measure is net interest margin (3.01% vs. 4.01%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.85% | 0.99% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.01% | 4.01% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.08% | 68.90% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $5.3M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.93% | 75.23% | Context |
What it means for lending operations
Its efficiency ratio of 66.08% is better than the 68.90% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Guaranty Bank Inc. Williamson, WV · $152M
- The Harrison County Bank Lost Creek, WV · $165M
- Whitesville State Bank Whitesville, WV · $138M
- Clay County Bank, Inc. Clay, WV · $136M
- Pioneer Community Bank, Inc. Iaeger, WV · $191M
- The First National Bank of Williamson Williamson, WV · $120M
Questions about The Fayette County National Bank of Fayetteville
How big is The Fayette County National Bank of Fayetteville?
The Fayette County National Bank of Fayetteville, established in 1900, is headquartered in Fayetteville, WV. It reported $158M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Fayette County National Bank of Fayetteville's return on assets?
0.85% annualized in Q2 2026, against a 0.99% median for 17 WV banks with half to twice its assets, ahead of 47% of them.
What is The Fayette County National Bank of Fayetteville's efficiency ratio?
66.08% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 68.90%, and lower is better.
Is The Fayette County National Bank of Fayetteville growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.