FNB Bank, Inc.: how it compares with its peers
Against 21 WV banks with half to twice its assets, FNB Bank, Inc.'s strongest measure in Q2 2026 is return on assets (0.99% vs. a 1.03% peer median). Its weakest relative measure is assets per employee ($4.3M vs. $5.3M).
| Measure | FNB Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.03% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.08% | 4.12% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.90% | 66.08% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $5.3M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.00% | 81.43% | Context |
What it means for lending operations
Its efficiency ratio of 68.90% is above the 66.08% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Davis Trust Company Elkins, WV · $275M
- West Union Bank West Union, WV · $300M
- The Bank of Monroe Union, WV · $255M
- The Citizens Bank of Weston Weston, WV · $303M
- Capon Valley Bank Wardensville, WV · $244M
- Williamstown Bank, Inc. Williamstown, WV · $237M
Questions about FNB Bank, Inc.
How big is FNB Bank, Inc.?
FNB Bank, Inc., established in 1910, is headquartered in Romney, WV. It reported $278M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is FNB Bank, Inc.'s return on assets?
0.99% annualized in Q2 2026, against a 1.03% median for 21 WV banks with half to twice its assets, ahead of 48% of them.
What is FNB Bank, Inc.'s efficiency ratio?
68.90% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 66.08%, and lower is better.
Is FNB Bank, Inc. growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 7.5%.
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.