Bank · FDIC insured
FNB Bank
A $277.9M bank headquartered in Romney, WV, with 6 branches in 2 states. Best rates: CDs 4.00% and savings 0.25% APY.
FNB Bank Carrot Score
74
Carrot Score
Higher than 35% of U.S. banks and credit unions
#5 of 12 in Winchester, VA-WV metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FNB Bank
- Headquarters
- 105 N High St, Romney, WV 26757
- FDIC certificate
- 6794 ↗
Branches
6 branches in 2 states
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West Virginia
5 branches
Winchester area · 4
- FNB Bank, Inc.Main office105 N High St, Romney, WV 26757Directions
- Augusta Branch16125 Northwestern Pike, Augusta, WV 26704Directions
- Capon Bridge Branch2957 Northwestern Pike, Capon Bridge, WV 26711Directions
- Hampshire Square Branch22250 Northwestern Pike, Romney, WV 26757Directions
Cumberland area · 1
- Fort Ashby Branch10076 Frankfort Hwy, Fort Ashby, WV 26719Directions
Virginia
1 branch
- Warrior Drive Branch731 Warrior Dr, Stephens City, VA 22655Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.60% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.45% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.99% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio10.60%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.45%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.99%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FNB Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.