Question 1

What is FNB Bank Romney?

Accepted Answer

FNB Bank Romney is a community bank serving the Eastern Panhandle of West Virginia and Frederick County, Virginia, with approximately $273 million in total assets. The institution provides personal banking, small business banking, and mortgage services through seven branch locations across the region.

Formerly known as First National Bank of Romney, the bank has served the area for over a century with a focus on relationship-based community banking.

Question 2

When was FNB Bank Romney founded?

Accepted Answer

FNB Bank Romney opened for business on June 11, 1910, in the old Wirgman Building in Romney, West Virginia, with an original capitalization of $50,000. The bank was founded by local citizens to provide banking services to the Hampshire County community.

In 2010, the institution celebrated its 100th anniversary, marking a century of continuous service to the region. Throughout its history, the bank has maintained its commitment to community banking principles while adapting to changing customer needs and banking technology.

Question 3

Where is FNB Bank Romney headquartered?

Accepted Answer

FNB Bank Romney is headquartered in Romney, West Virginia, located in Hampshire County within the Winchester, VA-WV metropolitan statistical area.

The main office is situated on North High Street, following several relocations throughout the bank's history to accommodate growth.

Question 4

Where does FNB Bank Romney operate?

Accepted Answer

FNB Bank Romney operates seven domestic offices throughout the Eastern Panhandle of West Virginia and Frederick County, Virginia. The bank has three full-service branches in Capon Bridge, Fort Ashby, and Hampshire Square locations in West Virginia.

A limited-purpose branch opened in 2018 at 90 West Rosemary Lane in Romney, which houses the bank's mortgage services division. In Fall 2023, the bank expanded with a full-service branch in Stephens City, Virginia, extending its presence across the state line.

Question 5

What services does FNB Bank Romney offer?

Accepted Answer

FNB Bank Romney provides comprehensive personal banking services including checking and savings accounts, certificates of deposit, money market accounts, and individual retirement accounts. The institution offers extensive lending services including residential mortgages through its dedicated mortgage services division, home equity loans, consumer loans, and small business financing.

Digital banking services feature user-friendly online banking, mobile banking with mobile deposit, bill payment, and account alerts. The bank also provides business checking and savings accounts, commercial lending, treasury management services, and merchant services for small business customers.

Question 6

What makes FNB Bank Romney unique?

Accepted Answer

FNB Bank Romney distinguishes itself through over 114 years of continuous local ownership and operation, maintaining personal relationships with customers across multiple generations. The bank's leadership team, led by President and CEO Travis G. Delaplain, consists entirely of local professionals who live and work in the communities they serve.

The institution demonstrates exceptional community involvement through programs like Adopt-A-Block projects, financial literacy presentations to local FFA students, and active participation in regional business events such as the Apple Blossom Festival. With a focus on "People working with people," FNB Bank Romney has preserved the tradition of relationship banking where customers receive personalized service from bankers who understand the local economy and community needs.

Question 7

What type of financial institution is FNB Bank Romney?

Accepted Answer

FNB Bank Romney is a state-chartered commercial bank that is not a member of the Federal Reserve System. The institution is supervised by the FDIC and operates under West Virginia state banking regulations.

As a community bank, it emphasizes personal relationships and local decision-making, distinguishing itself from larger regional and national banks that may rely on centralized underwriting and automated lending decisions.

FNB Bank Romney

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About FNB Bank Romney in the United States