Williamstown, WV · Cert 14744
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
36
Profitability
32
Liquidity
52
Efficiency
17
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Williamstown, WV · Cert 14744
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Parkersburg-Vienna, WV · 2026 SOD (annual) · 9.3% share · #6 of 9 inst. · $0.2B of $2.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.43% | 0.55% | 0.58% | 0.61% | 0.65% | 0.64% | 0.60% | +3 bps | |
| Return on Equity | 4.23% | 4.39% | 5.57% | 5.80% | 6.12% | 6.50% | 6.41% | 6.00% | +20 bps | |
| Net Interest Margin | 3.34% | 3.30% | 3.50% | 3.58% | 3.66% | 3.73% | 3.78% | 3.79% | +21 bps | |
| Efficiency Ratio | 89.39% | 88.26% | 82.54% | 81.83% | 80.49% | 79.18% | 79.44% | 80.17% | -167 bps | |
| Non-Interest Burden | 2.93% | 2.86% | 2.81% | 2.85% | 2.85% | 2.86% | 2.92% | 2.95% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.69% | -0.17% | -0.64% | 0.57% | -0.07% | 1.73% | 4.61% | 3.85% | +327 bps | |
| Loan Growth (YoY) | 2.50% | 1.24% | 0.49% | 0.47% | 2.13% | 2.59% | 3.48% | 2.78% | +231 bps | |
| Deposit Growth (YoY) | 1.95% | 3.39% | 0.46% | 1.03% | 2.01% | 2.71% | 5.53% | 4.68% | +365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.19% | 0.25% | 0.35% | 0.38% | 0.30% | 0.36% | 0.37% | +2 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.13% | 0.02% | 0.05% | 0.06% | 0.15% | -0.12% | 0.07% | +2 bps | |
| Allowance / Loans | 0.87% | 0.81% | 0.83% | 0.82% | 0.81% | 0.74% | 0.79% | 0.74% | -8 bps | |
| Allowance Coverage of NPLs | 6.4x | 4.3x | 3.4x | 2.3x | 2.1x | 2.5x | 2.2x | 2.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.25% | 10.13% | 10.33% | 10.32% | 10.38% | 10.48% | 10.36% | 10.14% | -18 bps | |
| Total Risk-Based Capital | 10.25% | 10.13% | 10.33% | 10.32% | 10.38% | 10.48% | 10.36% | 10.14% | -18 bps | |
| Equity / Assets | 9.86% | 9.90% | 9.91% | 9.94% | 10.16% | 10.24% | 9.90% | 10.00% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.55% | 91.73% | 89.44% | 90.43% | 92.65% | 91.62% | 87.70% | 88.79% | -164 bps | |
| Liquid Assets / Assets | 1.22% | 0.92% | 3.54% | 2.68% | 0.20% | 1.75% | 5.03% | 3.71% | +103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 219% | 216% | 208% | n/a | n/a | |
Williamstown, WV · Cert 14744 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.60%
Rank 608 of 746
Net Interest Margin
3.79%
Rank 337 of 746
Efficiency Ratio
80.17%
Rank 618 of 746
Equity / Assets
10.00%
Rank 428 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.72% | 1.06% | 1.45% | Beats 18% | 608 / 746 | ||
| Return on Equity | 5.96% | 6.74% | 10.51% | 13.63% | Beats 22% | 585 / 746 | ||
| Net Interest Margin | 3.79% | 3.17% | 3.68% | 4.16% | Beats 55% | 337 / 746 | ||
| Efficiency Ratio | 80.17% | 55.74% | 64.58% | 75.47% | Beats 17% | 618 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.07% | Beats 54% | 342 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 17% | 620 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.14% | 11.55% | 13.75% | 17.60% | Beats 10% | 671 / 746 | ||
| Total Risk-Based Capital Ratio | 10.14% | 11.71% | 14.33% | 18.43% | Beats 9% | 677 / 746 | ||
| Equity / Assets | 10.00% | 8.90% | 10.51% | 13.06% | Beats 43% | 428 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.79% | 61.31% | 78.27% | 90.78% | 71st pctl | 216 / 746 | ||
| Loans / Assets | 79.64% | 53.60% | 66.97% | 76.08% | 85th pctl | 115 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||