Fayette Cnty Nb Fayetteville
Fayetteville, West Virginia · FDIC Cert #6762
Fayette Cnty Nb Fayetteville is an FDIC-insured bank (Certificate #6762) with $144M in total assets and $132M in total deposits as of the Q2 2024 Call Report. Headquartered in Fayetteville, West Virginia, the bank maintains a Tier 1 capital ratio of 22.45% (Well-Capitalized) and a nonperforming loan ratio of 0.17%. BankHealthData assigns a composite Health Grade of A (94/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fayette Cnty Nb Fayetteville (FDIC cert 6762) is a community bank — $144M in total assets, $132M in deposits, serving the Fayetteville, West Virginia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 22.45% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.17% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 49.3% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.78% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Fayette Cnty Nb Fayetteville carries a composite BankHealth grade of A (94/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Fayette Cnty Nb Fayetteville
- Total Assets
- $144M
- Total Deposits
- $132M
- Tier 1 Capital Ratio
- 22.45%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.17%
- Liquidity Ratio
- 49.27%
- Return on Assets
- 0.78%
- Headquarters
- Fayetteville, West Virginia
- FDIC Certificate
- #6762
- Health Grade
- A (94/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Fayette Cnty Nb Fayetteville holds a Tier 1 capital ratio of 22.45%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fayette Cnty Nb Fayetteville has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fayette Cnty Nb Fayetteville shows strong financial health indicators. With $144M in assets and a Health Score of 94/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Fayette Cnty Nb Fayetteville Compares
Fayette Cnty Nb Fayetteville’s Health Score of 94 is 30 points above the West Virginia state average of 64 across 43 FDIC-insured banks. Its 22.45% Tier 1 capital ratio is 8.4 points above the US banking industry average near 14%. The 0.17% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.78% is below the national ROA benchmark of ~1.1%. Among 1341 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Fayette Cnty Nb Fayetteville is 24 points above the portfolio average of 70.
Frequently Asked Questions
Fayette Cnty Nb Fayetteville has a Bank Health Score of A (94/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 22.45%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Fayette Cnty Nb Fayetteville's Tier 1 capital ratio of 22.45% and nonperforming loan ratio of 0.17% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Fayette Cnty Nb Fayetteville is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #6762). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Fayette Cnty Nb Fayetteville holds $144M in total assets and $132M in total deposits. It is headquartered in Fayetteville, West Virginia (FDIC Certificate #6762).
Fayette Cnty Nb Fayetteville has a Tier 1 capital ratio of 22.45%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.17%, and the return on assets is 0.78%.
Yes. Fayette Cnty Nb Fayetteville is FDIC-insured (Certificate #6762). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fayette Cnty Nb Fayetteville's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.