The Bank of Romney

Romney, West VirginiaFDIC Cert #845

STATEEstablished 18887 branches

Holding company: ROMNEY BANKSHARES INCRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$11.2M
Investor CRE	$12M
Multifamily	$4.82M
Construction	$50.5M
1–4 family	$155M
C&I	$10.1M
Agriculture	$4.41M
Other	$19.2M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$267M

+3.7%y/y

Percentile by value30th percentileby value

FDICLNLSGR

Net loans

$265M

+3.6%y/y

Percentile by value30th percentileby value

FDICLNLSNET

Loans YoY

+3.64%

+238.5%y/y

Percentile by value37th percentileby value

FDICLNLSNET

L/D

93.5%

−1.8%y/y

Percentile by value83rd percentileby value

FDICLNLSNET + DEP

Loans/assets

71.4%

−0.3%y/y

Percentile by value58th percentileby value

FDICLNLSNET + ASSET

RE loans %

91.46%

−1.2%y/y

Percentile by value75th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,781points

−0.3%y/y

Peer standing5th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

4.21%

−2.6%y/y

Percentile by value10th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

4.48%

+74.4%y/y

Percentile by value14th percentileby value

FDICLNRENROT + LNLSGR

C&I %

3.77%

+48.3%y/y

Percentile by value10th percentileby value

FDICLNCI + LNLSGR