The Bank of Romney: how it compares with its peers
Against 21 WV banks with half to twice its assets, The Bank of Romney's strongest measure in Q2 2026 is net interest margin (4.63% vs. a 4.08% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $5.4M).
| Measure | The Bank of Romney | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.01% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.63% | 4.08% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.03% | 65.53% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $5.4M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.16% | 81.43% | Context |
What it means for lending operations
Its efficiency ratio of 57.03% is better than the 65.53% 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
- Logan Bank & Trust Company Logan, WV · $359M
- MCNB Bank and Trust Co. Welch, WV · $357M
- First Exchange Bank White Hall, WV · $391M
- Community Bank of Parkersburg Parkersburg, WV · $340M
- Highlands Bank Petersburg, WV · $407M
- Freedom Bank, Inc. Belington, WV · $430M
Questions about The Bank of Romney
How big is The Bank of Romney?
The Bank of Romney, established in 1888, is headquartered in Romney, WV. It reported $369M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is The Bank of Romney's return on assets?
1.37% annualized in Q2 2026, against a 1.01% median for 21 WV banks with half to twice its assets, ahead of 71% of them.
What is The Bank of Romney's efficiency ratio?
57.03% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 65.53%, and lower is better.
Is The Bank of Romney growing its loans?
Net loans grew 5.3% over the year to Q2 2026, while deposits grew 8.6%.
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.