| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | The Bank of Romney | Bank | 6 | $268.3M | 49.24% |
| 2 | FNB Bank, Inc. | Bank | 5 | $217.3M | 39.89% |
| 3 | Act 1St Federal Credit Union | Credit union | 1 | $45.7M* | 8.39% |
| 4 | Romney Federal Credit Union | Credit union | 2 | $13.5M* | 2.47% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $544.8M | 4 | 14 | The Bank of Romney | 49.2% | 4,092 |
| 2025 | $511.5M | 4 | 13 | The Bank of Romney | 48.3% | 4,054 |
| 2024 | $527.1M | 4 | 13 | The Bank of Romney | 49.6% | 4,024 |
| 2023 | $519.4M | 4 | 13 | The Bank of Romney | 47.6% | 3,925 |
| 2022 | $505.3M | 4 | 13 | The Bank of Romney | 49.4% | 4,042 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.