# FIRST NATIONAL BANK
RONCEVERTE, WV · FDIC certificate 6795 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $238.8M | |
| Deposits | $204.5M | |
| Loans and leases | $136.9M | |
| Total equity | $25.0M | |
| Loans / deposits | 65.99% (p37 of band) | 73.15% |
| Liquid assets / assets | 37.87% (p61 of band) | |
| Uninsured deposits / deposits | 11.49% (p38 of band) | 14.12% |
| Brokered deposits | 0.46% | |
| Wholesale funding | 1.96% (p50 of band) | |
| FHLB advances / assets | 0.53% | |
| Tier 1 leverage | 9.98% (p38 of band) | 10.64% |
| Unrealized securities loss / equity | 1.33% (p68 of band) | 0.27% |
| AOCI / equity | -0.83% (p18 of band) | |
| ROA (annualized) | 0.80% (p48 of band) | 0.82% |
| Net interest margin | 3.07% (p20 of band) | 3.64% |
| Efficiency ratio | 74.77% (p54 of band) | |
| Noncurrent loans | 3.60% (p93 of band) | 0.67% |
| Net charge-offs (annualized) | -0.08% (p5 of band) | |
| Reserve coverage of noncurrent | 38.26% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 59.87% (p85 of band) | |
| Auto loans | $178,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.3% | |
| Employees | 54 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 4 | capital falling, losing money |  |
| 2012-06 | 3 |  | losing money |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 4 | deposits shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-05 [Bank with new Cincinnati owners, HQ hires first C-level executive - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQaWJHRU9uNzJtaEp3Q0dwSEpoMWtsSE1oRTV0Q3B1UlBqb05FZXYzUjlyWWRjSDFxcVVINlp0UlNRMVh5LXBfVE5EVWpCWWdPTlJGM1RyektDSW5nbWNIYXA1UW1ibFNjTGgxMEkyS2trcWpERnpkN1JFNnlPOEh5UTF6NWV6VkJZcFNaR25uNDVsbEduWkxPenJwbjkzb2RHdmhqYTEzVWtWaTVjNkE?oc=5) · The Business Journals
- 2026-01-05 [First National Bank announces new leadership - Williamson Daily News](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNTG9GWXlMMUVVNEl5cmN4azJLb2IyZzFiWGxsdGI5MkFBeXk0eHlsR0c0STZQYzg2eVBDRExNdEN4QTYxbVMwYnh2MG9RcEdRclRwWC1jWmdQTTI4WktYWUJoREgtVGFZRmMyMUthM0hzeTRDN3dCRUFTZHNoTlVQNmtNZ09mSjg0YVh3MGFSZHZXd216M1VnNVpIRkNlb1NldnlMemxLX2VlSUw0TG9uYU55R29ZNm5hTkhBNjU0TkxadGExaWlhOU5jWVBEanhU?oc=5) · Williamson Daily News
- 2025-10-04 [Local exec buys West Virginia bank, plans NKY HQ - local12.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPQmNWQVJ5WUdwSjJEcmZVV3QtRVlxYjEwVzFQUm01TVJPbGd4UUlkNGVJQUxWYkhDdVp4ZXNUT3VKTk5UdkxuYzRDTXQ0RHZEbW5heE5jSDUwX2prUFByVlQtbHpPUUZtLTB4RGFyNzRXQXQ4VXRBNTRGMFRQdDRYLVlXaDlVcXJDbDdyX1VTeTJYX05MUDRtNC1fWUFEaFZoSzltVlkzUlhWaHdfeWR2M1ZsckIyZ2JNUWVhSVhxRGlpc08ta2c?oc=5) · local12.com
- 2025-11-17 [First National Bank Bonus Offers for 2025 - GOBankingRates](https://news.google.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?oc=5) · GOBankingRates
- 2026-02-26 [Daniel Lee Martin Obituary (2026) - Morgantown, WV - McCulla Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNSWtjSVZZS2xQLVFmMV9wS1hVdllwTm1OUFkxN3MtR01vX0NmWjVWNXEwUExzU3RlVjFQc21JbXNXM2wyV1Uzb3NvNHQxV2hETjZQOXg1NTNjZm9UeGpnNUkxOU1NVzFaNVFiRjN5bUlfRDVSbGRVYjNHcXF4NUlsY0dn?oc=5) · legacy.com
- 2016-12-21 [What happened at “the bank with the backhoe” - Banking Exchange](https://news.google.com/rss/articles/CBMisAFBVV95cUxQUmRrRnpBZlBORnkxdlk4S0NtYWNGeHRVSFItWmRrZE81QTRLSVVMVjNkMmZZNWRJc05qZ2p5WG9vYmRWeEJhTWpxNmN2MXFjNUVqcHJQbTFTNjdKRGZsMVh2RHBWYVR6LUZ5a0tfSm10ejV0SjI1djh6Z2xwcEVLd0dsZGFBSEcwZlFIcFY5Q1A3dDFrckp6Nmhva1ZraVhJckg2Zld0cWtmWk1TT1VFRg?oc=5) · Banking Exchange
- 2022-05-02 [FNB Bank of Romney, West Virginia, honors long-time board member Shanholtz - WV News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOS2o0NE1OUHc1dXdkY2JEUVRMd3ptOHVNOVgxUWs1MVFubXdHdDZDT1dmR0tiOUZ6aGJDUUVaVG9CWmNFeXpVXzlLa3YwY3dxOUc4UUlfSU0ySWcxS082SlY4ZlF1cEVQYzVRRTRtUUQtdzI2NXRrZVA5QUZ1LTZjNGptQUkwSWVpSGQzbGEzMHpEOTYwWVVvNjBsd2lkUF9WMkRNVDBuU0R5TExJQzQ0cEtxUDRKS1QtY1NBblVuenNaRFEwRU1GTms1NWRLQ2hkN3gwemVUa2c5Y0JyaGN6SGNfZnFOYjR4b0ZEcGVR?oc=5) · WV News
- 2025-10-02 [Greater Cincinnati executive Jason Payne acquires West Virginia bank, plans HQ and branch growth in NKY - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOem5jazhyRUFVVUpGN08zN1kzaS10UzZ2RHRDZDFvNG9IcXhVb0xkQ1FYaVhxQjdCc3E2b0t3dUJXVXpETVBlQU8wdDIyVHNUNHRpdzRDckRjbkJISGRXblRabUZYUWhVNVdsMEJwc0RPTGprdU5xazZPQXUwWjYyT1lHZXQtRThhRXdFTGxOMllNX0E3YTVmNmk1ZzJ0bmhMLTd0MmtOXzkycVd2?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6795 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "6795", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide