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Overview / Commentary
304-822-8700
105 North High Street
Romney, WV 26757

FNB Bank, Inc. (WV) is headquartered in Romney and is the 33rd largest bank in the state of West Virginia. It is also the 3,497th largest bank in the nation. It was established in 1910 and as of March of 2014, it had grown to 45 employees at 4 locations. FNB Bank, Inc. (WV) has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 FNB Bank, Inc. (WV) had $4.37 million in non-current loans and owned real-estate with $17.93 million in equity and loan loss allowances on hand to cover it. This gives FNB Bank, Inc. (WV) a Texas Ratio of 24.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for FNB Bank, Inc. (WV) decreased slightly from 29.79% as of March 31, 2013 to 24.37% as of March 31, 2014, resulting in a positive change of 18.21%.This indicates that the balance sheet and financial strength for FNB Bank, Inc. (WV) has improved slightly in recent periods.

Deposit Growth

GRADE:
B

In the past year, FNB Bank, Inc. (WV) has increased its total deposits by $236,000, resulting in 0.18% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth FNB Bank, Inc. (WV) has shown is above average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. FNB Bank, Inc. (WV) has $164.45 million in assets with $17.93 million in equity, resulting in a capitalization level of 10.90%, which is above average.

Institution Statistics

Overall
FDIC Certificate #6794
Year Established1910
Employees45
Primary RegulatorFDIC
Assets and Liabilities
Assets$164.45 million
Loans$90.19 million
Deposits$131.72 million
Equity Capital$16.67 million
Loan Loss Allowance$1.26 million
Unbacked Noncurrent Loans$2.03 million
Real Estate Owned$2.34 million
Historic Data - March 2013
Assets$150.84 million
Equity Capital$17.12 million
Loan Loss Allowance$1.69 million
Unbacked Noncurrent Loans$2.03 million
Real Estate Owned$1.62 million
Profit Margin - Quarterly
Net Interest Margin3.5%
Return on Assets0.4%
Return on Equity3.96%
Interest Income$1.58 million
Rates

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FNB Bank, Inc. (WV) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.12%$50-Traditional Savings
0.12%$50-Mountaineer Savings

FNB Bank, Inc. (WV) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$25k-MMA

FNB Bank, Inc. (WV) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$25k-NOW Account

FNB Bank, Inc. (WV) CD Rates

DetailsAPYMINMAXPRODUCT
1.31%$1k-60 Month CD
0.90%$1k-48 Month CD
0.65%$1k-36 Month CD
0.60%$1k-30 Month CD
0.50%$1k-24 Month CD
0.40%$1k-18 Month CD
0.35%$1k-12 Month CD
0.25%$1k-6 Month CD
0.20%$2,500-3 Month CD

FNB Bank, Inc. (WV) IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$250-48 Month IRA CD
0.75%$250-30 Month IRA CD
0.65%$250-24 Month IRA CD
0.40%$100-18 Month IRA CD
Locations


FNB Bank, Inc. (WV) Locations
Fnb Bank, Inc.105 North High StreetRomney, WV 26757
Fort Ashby BranchRoute #28 NorthFort Ashby, WV 26719
Capon Bridge BranchRoute 50Capon Bridge, WV 26711
Hampshire Square BranchRoute 50, Hc-63, Box 3270Romney, WV 26757