The Bank of Romney Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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The Bank of Romney's 91 Days Certificate rates are at 3.91%, 182 Days Certificate rates are at 3.85%, 9-Months 9-Month Certificate rates are at 3.80%, 12-Months 12-Month Certificate rates are at 3.65%, Special 15-Month CD rates are at 3.55%. The Bank of Romney's savings rates are at 0.20%. The Bank of Romney's money market rates are at 0.20%. MonitorBankRates evaluates the financial stability of The Bank of Romney with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.78%. Rates were last updated on 03/02/2026.
Rate Updates and AvailabilityThe Bank of Romney money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Bank of Romney? Share your experience about The Bank of Romney by leaving a review below, or read customer reviews before you decide to use The Bank of Romney. The Bank of Romney Texas RatioThe Bank of Romney's Texas Ratio is at 18.78%, which is considered good. The Texas Ratio for The Bank of Romney is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
4.7
Excellent
Out of 5.0 Stars
The Bank of Romney has earned a Smart Rating of 4.7 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, The Bank of Romney is a excellent bank worth considering, with an overall rating of 4.7 stars out of 5 stars. Overall Health & Safety Grade
B+
Good Health
Score: 87/100
The Bank of Romney has earned an overall safety grade of B+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
The Bank of Romney CD Rates
The Bank of Romney Savings Rates
The Bank of Romney Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for The Bank of Romney is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather The Bank of Romney rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with The Bank of Romney's official website for the most current offers and terms.
Bank Profile & OverviewThe Bank of Romney
95 E Main StRomney, WV 26757 Hampshire Established Date: 01/01/1888 FDIC Certificate #: 845 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: ROMNEY BANKSHARES INC How Many Domestic U.S. Offices? 7 How Many Branches are There? 7 Website: https://www.bankofromney.net
Is The Bank of Romney FDIC Insured? Yes
What is The Bank of Romney's Cert number? 845
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
4.7 / 5.0 ★
Overall Health & Safety Grade:
B+ (87/100)
Texas Ratio:
18.78%
Return on Assets (ROA):
1.1152%
Return on Equity (ROE):
9.1300%
Non-Performing Loans (NPL):
2.05%
Total Assets:
$365,004,000
Total Deposits:
$277,227,000
Equity Capital:
$58,144,000
Net Income:
$4,597,000
Headquarters:
Romney
Regulator:
FED
# of Offices:
7
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for The Bank of Romney yet. Feel free to create one below.
Add Your Rating and Review for The Bank of Romney
Frequently Asked Questions About The Bank of RomneyHow do I open an account at The Bank of Romney?You can typically open an account at The Bank of Romney by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, The Bank of Romney provides a range of mortgage and home equity products. Is The Bank of Romney a safe place to deposit money?Yes, The Bank of Romney is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does The Bank of Romney offer online and mobile banking?Most modern institutions like The Bank of Romney provide digital access including online balance checks and transfers. Compare to other Banks |
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