# BANK OF ROMNEY
ROMNEY, WV · FDIC certificate 845 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $368.8M | |
| Deposits | $283.5M | |
| Loans and leases | $269.4M | |
| Total equity | $60.2M | |
| Loans / deposits | 94.16% (p80 of band) | 82.04% |
| Liquid assets / assets | 18.81% (p28 of band) | |
| Uninsured deposits / deposits | 12.54% (p8 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.96% (p63 of band) | |
| FHLB advances / assets | 5.95% | |
| Tier 1 leverage | 15.97% (p93 of band) | 10.81% |
| Unrealized securities loss / equity | -3.19% (p71 of band) | -8.10% |
| AOCI / equity | -0.11% (p66 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 4.63% (p85 of band) | 3.91% |
| Efficiency ratio | 57.03% (p37 of band) | |
| Noncurrent loans | 1.73% (p85 of band) | 0.43% |
| Net charge-offs (annualized) | 0.17% (p90 of band) | |
| Reserve coverage of noncurrent | 54.09% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 87.89% (p82 of band) | |
| Auto loans | $7.2M (2.67% of loans; DQ 3.62%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 | noncurrent p90 | charge-offs p90 |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | charge-offs p90 | wholesale funding >15% |
| 2015-12 | 2 |  | charge-offs p90 |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | wholesale funding >15% |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | uninsured deposits leaving | noncurrent p90 |
| 2017-09 | 3 | capital falling | uninsured deposits leaving |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | loans exceed deposits |  |
| 2019-06 | 4 | uninsured deposits leaving |  |
| 2019-09 | 4 | brokered >10% | loans exceed deposits |
| 2019-12 | 4 | loans exceed deposits | brokered >10% |
| 2020-03 | 3 |  | loans exceed deposits |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 4 | capital falling, construction >100% equity |  |
| 2021-09 | 2 |  | reserve under noncurrent, capital falling |
| 2021-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 5 | charge-offs p90 |  |
| 2023-09 | 6 | loans exceed deposits, deposits shrinking | charge-offs p90 |
| 2023-12 | 5 |  | deposits shrinking |
| 2024-03 | 5 | charge-offs p90 | loans exceed deposits |
| 2024-06 | 4 |  | charge-offs p90 |
| 2024-09 | 3 |  | wholesale funding >15% |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 3 | deposits shrinking | construction >100% equity, noncurrent p90 |
| 2025-09 | 2 |  | deposits shrinking |
| 2025-12 | 3 | noncurrent p90 |  |
| 2026-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 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
- 2025-12-07 [Betty Lorraine Cooper Obituary (2025) - Romney, WV - McKee Funeral Home - Romney - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUlFja3pUNWs5c2h4cFRabkc4YVE2NFotQ0tWUUI2bTc0SGVKVDBCWE5OUXB1MDFraTNsNXVyTlpIZFpFS3lIclJOZF81WGxUTGpnMUZhV2YzOVY1WTVsUHJteUkxYXNRS2lJMVEtb1RNR2N3X0J3eGFCU1djVWE5bQ?oc=5) · legacy.com
- 2023-02-27 [FNB Bank breaks ground on Stephens City location - The Winchester Star](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOMHotcV80M3BaTmFtQlFiWUo5RUFEckt1OWk3WmppQW5qaDM4VjhOcUJRakFpaXZjWFQyQlhaWWdsb2cwN1BQNkFzTzNyS3FtU2xuaW9xRmQ4NFZyQi02TTVpd081YmRQWHdNZ3NPVUZyRWhpMDUxeVhwWHJNclhacDN0RGdmZEN4R0xtRVYxUE5TaFBLeEVYS0lvakoxQnF3NWZiN1FQa1NJSGJ2VU9sZmJYSG1vVHlFODROYS13WTFkYVBud0M4TGNPUHpkQzlEQjg4cGtxMXVTNlJiRVE?oc=5) · The Winchester Star
- 2016-02-01 [WV woman recounts rescue after plunge over cliff - West Virginia Press Association](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSV9rVWhhV1Vscmt2ZjVSVmZuZzFOd1dqS2RUUWZCWHBCYnlyUGxUSGx5WG9pX21ycTdQQ3dWbU8wdmZ4ZFdQN0c3bl9ZYlFMbnB4bUtSeUc5dGRfV3JzVS10b3hwdTF4ei1FQnVhZ2tVZVhRaHBNMDZWUGs4YUpwUzZ5d2duVmdRNWo0?oc=5) · West Virginia Press Association
- 2023-06-28 [Two Sentenced to Combined 23 Years for Bank Robberies in West Virginia, Virginia, and Pennsylvania - exploreJefferson](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQM2QtTTV6RTVkUzRRcXdnUGJVSVdqU2ZObV9TdU9BeWd6NlRaVGhPel9YSnVabUtnTWtwWnZtU08zRDVsYU5VZFhyYlJBeXdTU2pEMGNhbks2NzJCRGNybWhvcmRpcjdSNEFjbGJQVnR0R0gyUlo4amt4V1pKWm4tV1pfcEswWmFrNXBjZjBkbTJ4aFFDeWlFcElfOXQ5TDRXOEVtTGQ5b0R1VTcyU0xpTDlPcVVWZElCc3p5b2dGY0wxV0taVEFBeUpoYmlnNGZUX09NdmlTS1FiQndsVUo3QVNmMGdOdVFlWG1Zbw?oc=5) · exploreJefferson
- 2019-12-30 [New HS Track brings hope for the Hampshire Community - DC News Now](https://news.google.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?oc=5) · DC News Now
- 2019-02-19 [Samantha R. Keiter - The Winchester Star](https://news.google.com/rss/articles/CBMirgFBVV95cUxPMzRPWGhsajlMUlQ4R0JRbGpNVVlZNDVVZVNIUkl6aDN5Z1hSY2IwT3ZqOXVTM2NUNEptZTZtX3dHYjFhejhPTDdibW9MMEt6R2xlNzJrbzFRUmlGbGVJeHJjZXM2Umg2Q1YwRkpIejM0d0xzVGZYenpNbXZoRFR0SXluUmI0UFVVbVpYWmI1V2tFOEFEaFZKTUI0cmxCSnk2M05jczJDRXh3NlA0blE?oc=5) · The Winchester Star
- 2025-05-08 [Alice Jean Alkire Obituary (2025) - Augusta, WV - McKee Funeral Home - Augusta - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOLUlFS0ctRW9QR3FwckhFRy12ZzI1UmVNNHZ0RzRia1RzWlNOejR6UkNVVURQQkNYUGlfdm9fRWxORFhxdlF0SmNjb05HZ3A5bFl2R3FZN051bFpfLVA0QUV6U1BFUkd1WXVNelkybWwyMDVwZXJidTBnUlgxTHFqYQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=845 (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/13.json (key "845", 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