Total Assets
$155M
Total balance-sheet footings
FDIC Cert #6762 · Fayetteville, West Virginia · Est. 1900
The Fayette County National Bank of Fayetteville - FDIC Bank Health Profile
A community-scale look at The Fayette County National Bank of Fayetteville's own numbers, pulled straight from its quarterly FDIC Call Report.
- $155M
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 21.3%
- Tier 1 capital
Data updated July 2026
The verdict
The Fayette County National Bank of Fayetteville earns a PlainBankData health grade of B (74/100), with well-capitalized at 21.28% Tier 1, 0.55% ROA, 76% efficiency ratio.
- #3,315
- largest of 4,313 FDIC banks by assets
- 23rd
- percentile by asset size, nationally
- 21.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Fayette County National Bank of Fayetteville's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Fayette County National Bank of Fayetteville's composite health score
Tier 1 Capital Ratio (21.28%) 40/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (6.04%) 16/20
Efficiency Ratio (76.32%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$132M
Customer-funded liabilities
Net Loans
$70M
Outstanding loan book
Net Income
$821K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Fayette County National Bank of Fayetteville ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Fayette County National Bank of Fayetteville's score of 74/100 falls in the highlighted band.
The Fayette County National Bank of Fayetteville's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Fayette County National Bank of Fayetteville's $155M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.28%
Texas Ratio
6.04%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
8.24%
Efficiency Ratio
76.32%
What the numbers say about The Fayette County National Bank of Fayetteville
The Fayette County National Bank of Fayetteville is an FDIC-insured institution (Certificate #6762) headquartered in Fayetteville, West Virginia, established in 1900. It holds $155M in total assets - 3,315th of 4,313 FDIC-insured banks, $132M in customer deposits, and $70M in net loans. Looking at capital strength, Tier 1 stands at 21.28%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.04%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (74/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Fayette County National Bank of Fayetteville ranks 33rd of 42 banks based in West Virginia -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$531K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Fayette County National Bank of Fayetteville reports a Texas Ratio of 6.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Fayette County National Bank of Fayetteville (FDIC Cert #6762) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is The Fayette County National Bank of Fayetteville's health grade?▼
The Fayette County National Bank of Fayetteville receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Fayette County National Bank of Fayetteville?▼
The Fayette County National Bank of Fayetteville holds $155M in total assets and $132M in deposits, ranking 3,315th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fayetteville, West Virginia.
Is my money safe at The Fayette County National Bank of Fayetteville?▼
Yes, deposits at The Fayette County National Bank of Fayetteville (Certificate #6762) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Fayette County National Bank of Fayetteville's Tier 1 Capital Ratio?▼
The Fayette County National Bank of Fayetteville has a Tier 1 Capital Ratio of 21.28%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Fayette County National Bank of Fayetteville?▼
The Fayette County National Bank of Fayetteville has a Texas Ratio of 6.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Fayette County National Bank of Fayetteville?▼
The Fayette County National Bank of Fayetteville has an Efficiency Ratio of 76.32%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Fayette County National Bank of Fayetteville's profile as a depositor or analyst.
- The Fayette County National Bank of Fayetteville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Fayette County National Bank of Fayetteville against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.