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 | |