At a glance
From its website, read 2 Nov 2026FNB Bank, Incorporated is a bank or thrift based in Romney, West Virginia. Its website describes farm loans, auto loans, credit-builder loans and 4 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (304) 822-8700 source |
|---|---|
| Lending | (304) 822-8750 source |
| mortgage@fnbtoday.com source | |
| Apply online | Page with the application link |
| Website | www.fnbtoday.com |
| Office (official list) | 105 N High St, Romney, WV 26757 |
What their website says about applying
If you believe the Credit Builder program might be right for you, please contact an FNB Loan Officer today.
sourceAlready know what you need? Get started today with your mortgage loan inquiry.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Collateral required
Certificate of Deposit must be pledged as security for the loan
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Sep 2026 |
| RSSD ID | 969639 |
| Address | 105 N High St, Romney, WV 26757 Directions (Google Maps) |
| Website | www.fnbtoday.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Business, agricultural and mortgage pages give no loan amounts, and the Frederick County, VA statement is the only state named in service-area text. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | FNB Bank offers many types of loans designed to meet your agricultural needs. | source |
| Auto / vehicle loans | — | New & Used Vehicle Loans Available | source |
| Credit-builder loans | — | The Credit Builder Loan program will provide financial resources, teaching you independent financial responsibility. | source |
| Home mortgages | — | FNB Bank offers Adjustable Rate Mortgages (ARM) with terms to suit all needs and budgets. | source |
| Personal / consumer loans | from $1,000 | Loans starting at $1,000 | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Small Business Administration (SBA) | source |
| Small-business loans | — | FNB Bank offers many types of loans designed to meet your business needs. | source |
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. FNB Consumer Loan Application
source
Pages read (7)
- https://www.fnbtoday.com/
- https://www.fnbtoday.com/lending-products/lending-application/
- https://www.fnbtoday.com/lending-products/
- https://www.fnbtoday.com/lending-products/credit-cards/
- https://www.fnbtoday.com/mortgage-services/
- https://www.fnbtoday.com/financial-technology/autobooks/
- https://www.fnbtoday.com/financial-technology/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and SBA-backed loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$203,040 in 2 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $176,040 |
| 2023 | Bank Enterprise Award Program | $27,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as FNB Bank, Inc. (FDIC cert 6794). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $277.9 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 in 2 states (as of 30 Oct 2026) |
Offices by state and county (6)
West Virginia (5 offices)
- Hampshire County (4): 105 N High St, Romney 26757 (main office); 16125 Northwestern Pike, Augusta 26704; 2957 Northwestern Pike, Capon Bridge 26711; 22250 Northwestern Pike, Romney 26757
- Mineral County (1): 10076 Frankfort Hwy, Fort Ashby 26719
Virginia (1 office)
- Frederick County (1): 731 Warrior Dr, Stephens City 22655
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by FNB Bank, Inc. (RSSD 969639, FDIC cert 6794). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $210.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 3.0% from $203.9 million on 30 Jun 2025 |
| Total assets | $277.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $111.2 million | 52.9% |
| Home equity lines of credit | $3.2 million | 1.5% |
| Commercial real estate, construction and multifamily | $49.2 million | 23.4% |
| Commercial and industrial (business) loans | $8.1 million | 3.9% |
| Farmland and farm production loans | $17.8 million | 8.5% |
| Consumer loans (credit cards, auto, other) | $20 million | 9.5% |
| All other loans and leases | $625,000 | 0.3% |
Within consumer loans: auto loans $12.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 43 loans $2.2 million | 135 loans $3 million |
| $100,001 to $250,000 | 58 loans $7.4 million | 33 loans $2.8 million |
| $250,001 to $1 million | 61 loans $21.9 million | 10 loans $2.4 million |
| All small business loans | 162 loans $31.5 million | 178 loans $8.1 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 14 loans $607,000 | 25 loans $506,000 |
| $100,001 to $250,000 | 9 loans $844,000 | 3 loans $94,000 |
| $250,001 to $500,000 | 9 loans $2.1 million | 1 loan $274,000 |
| All small farm loans | 32 loans $3.5 million | 29 loans $874,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025FNB Bank, Incorporated reported 60 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $13.3M (median loan about $160,000). 35 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 35 | 58% |
| Refinance (incl. cash-out) | 9 | 15% |
| Home improvement | 7 | 12% |
| Other purpose | 9 | 15% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 60 | 100% |
Included above: 8 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 12 counties with at least one; 87% of its 2025 loans were for properties in West Virginia:
- Hampshire County, WV (36)
- Mineral County, WV (7)
- Hardy County, WV (5)
- Frederick County, VA (3)
Filed under LEI 254900UEITST3NEK8Y27 as “FNB BANK, INC”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $175,000 (10 loans) | All 7(a) lenders in West Virginia: $120,000. Larger than the median loan of 53% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 8 → 0 | Rank among the 3 certified CDFIs in West Virginia with SBA approvals in either period: 1 → 3. |
| Total assets (Call Report, 30 Jun 2026) | $277.9 million | Larger than 88% of the 8 other certified banks and bank holding companies in West Virginia (median $191.1 million). |
| Loans as a share of assets | 76% | Median of the same 8 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $203.9 million → $210.2 million (+3%) | Median change of 8 other certified banks and bank holding companies in West Virginia: +7%. Rank by loans held among these 9: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 60 | More than 28% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 53% |
| SBA approvals then vs now | certified CDFIs in West Virginia with SBA approvals FY2023–2026 | 2 | rank 1 → 3 of 3 |
| Call Report total assets | other certified banks and bank holding companies in West Virginia | 8 | larger than 88% |
| Loans held then vs now | certified banks and bank holding companies in West Virginia reporting both dates | 8 | rank 1 → 1 of 9 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 28% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 10 SBA-backed approvals for FNB Bank, Incorporated in fiscal years 2020–2026 (October 2019 to September 2026):
- 10 7(a) loans as the lender: $2.2M in total (gross amount approved), median $175,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 2 · FY2023 7 · FY2024 1 · FY2025 0 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $117,500 and $334,450, median $175,000 (10 loans)
- Term of its 7(a) loans: median 150 months (12 years) (10 loans)
- Fixed or variable: 30% of its 7(a) loans had a fixed rate (10 loans)
- Young businesses: 30% of its 7(a) loans went to a startup or a business two years old or less (10 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) SBA Express (10, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Hampshire County, WV (5)
How this lender was matched in the SBA files: FDIC cert 6794, found through the RSSD ID on the CDFI Fund list (SBA lists “FNB Bank Inc”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. FNB Bank, Incorporated may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Romney and West Virginia
- EASTERN BANCSHARES, INC.Bank holding company · Romney, WVOfficial list only
- Calhoun County Bank, Inc.Bank or thrift · Grantsville, WVAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Element Federal Credit UnionCredit union · Charleston, WVAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Personal / consumer loansVerified
- Partner Community Capital, Inc.Loan fund · Charles Town, WVAgriculture / farm loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Pioneer Community Bank, Inc.Bank or thrift · Iaeger, WVAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Whitesville State BankBank or thrift · Whitesville, WVAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans…Verified
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