Bank · FDIC insured
The Bank of Romney
A $368.8M bank headquartered in Romney, WV, with 7 branches in West Virginia. Best rates: CDs 4.18% and savings 0.20% APY.
The Bank of Romney Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#6 of 12 in Winchester, VA-WV metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Bank of Romney
Established in 1888, The Bank of Romney is a locally owned and operated community bank serving Hampshire County and the surrounding areas.
- Headquarters
- 95 E Main St, Romney, WV 26757
- FDIC certificate
- 845 ↗
Branches
7 branches in West Virginia
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West Virginia
7 branches
Winchester area · 6
- The Bank of RomneyMain office95 E Main St, Romney, WV 26757Directions
- Augusta Branch16285 Northwestern Pike, Augusta, WV 26704Directions
- Capon Bridge Branch2960 Northwestern Turnpike, Capon Bridge, WV 26711Directions
- Sunrise Branch31 Stayman Dr, Romney, WV 26757Directions
- Slanesville Branch100 County Route 3, Slanesville, WV 25444Directions
- Springfield Branch8504 Cumberland Rd, Springfield, WV 26763Directions
Hagerstown area · 1
- Paw Paw Branch63 Winchester St, Paw Paw, WV 25434Directions
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 | 15.97% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.73% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.37% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio15.97%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.73%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.37%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ 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 The Bank of Romney are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.