BlastPoint's Banking Scorecard
The Bank of Romney
Micro
Specialty: Other
WV
FDIC cert 845
Designations: ✓ Community bank
Romney, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
The Bank of Romney faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$365.0M
+3.9% YoY
+0.5% QoQ
|
+$147.5M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$260.8M
-0.1% YoY
+1.7% QoQ
|
+$121.6M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$277.2M
+5.9% YoY
+0.2% QoQ
|
+$93.6M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.29%
+0.4% YoY
+1.7% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.62%
+8.2% YoY
-0.5% QoQ
|
+0.77% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
60.97%
+2.3% YoY
+0.6% QoQ
|
-6.76% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
2.08%
-39.3% YoY
+15.8% QoQ
|
+1.44% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
94.08%
-5.6% YoY
+1.5% QoQ
|
+19.56% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
25.56%
-2.2% YoY
+0.0% QoQ
|
+3.16% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.74%
-38.2% YoY
+14.2% QoQ
|
+1.28% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.52%
-0.7% YoY
+33.8% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.74%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Loans
Current: $260.8M · Tier avg: $139.2M
84
84th pctile
Loan-to-Deposit Ratio
Current: 94.08% · Tier avg: 74.53%
83
83th pctile
Total Assets
Current: $365.0M · Tier avg: $217.5M
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
77
77th pctile
Total Deposits
Current: $277.2M · Tier avg: $183.7M
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.56% · Tier avg: 22.39%
65
65th pctile
Efficiency Ratio
Current: 60.97% · Tier avg: 67.73%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
65
65th pctile
Efficiency Ratio
Current: 60.97% · Tier avg: 67.73%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.56% · Tier avg: 22.39%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
77
77th pctile
Total Deposits
Current: $277.2M · Tier avg: $183.7M
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
83
83th pctile
Total Assets
Current: $365.0M · Tier avg: $217.5M
84
84th pctile
Loan-to-Deposit Ratio
Current: 94.08% · Tier avg: 74.53%
86
86th pctile
Total Loans
Current: $260.8M · Tier avg: $139.2M