FNB Bank, Inc.
Total assets
$277.9M
▲ +4.6% YoY
Deposits
$247.8M
▲ +7.5% YoY
Loans
$208.1M
▲ +3.1% YoY
Offices
7
EASTERN BANCSHARES INC
ROA (annualized)
0.99%
peers 1.24%
ROE (annualized)
10.79%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | FNB Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 10.8% | 11.9% | -1.1 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- EASTERN BANCSHARES INC
- Specialization
- All Other Under 1 Billion
- Address
- 105 N High St, Romney, WV, 26757
- County
- Hampshire
- Metro area
- Winchester, VA-WV
- Offices
- 7
- FDIC cert #
- 6794
- RSSD ID
- 969639
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $277.9M | $247.8M | $208.1M | $26.0M | $1.4M | 0.99% | 4.08% | 0.34% |
| Q1 2026 | $271.9M | $241.8M | $204.6M | $25.1M | $607K | 0.89% | 3.93% | 0.34% |
| Q4 2025 | $274.0M | $241.6M | $205.4M | $24.8M | $2.3M | 0.85% | 3.86% | 0.34% |
| Q3 2025 | $273.0M | $235.8M | $205.0M | $24.8M | $1.5M | 0.75% | 3.71% | 0.38% |
| Q2 2025 | $265.7M | $230.5M | $201.8M | $23.5M | $936K | 0.71% | 3.68% | 0.42% |
| Q1 2025 | $266.1M | $231.7M | $195.8M | $23.1M | $441K | 0.67% | 3.64% | 0.43% |
| Q4 2024 | $258.7M | $224.4M | $194.2M | $22.3M | $1.9M | 0.70% | 3.31% | 0.48% |
| Q3 2024 | $264.8M | $221.8M | $193.7M | $23.4M | $1.2M | 0.60% | 3.22% | 0.37% |
Loan mix (Q2 2026): real estate $179.7M · commercial $8.1M · consumer $20.0M · securities $36.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | FNB Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 62.9% | 66th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | FNB Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | FNB Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | FNB Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | FNB Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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