Putnam County Bank
Hurricane, WV · Cert 15243 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Putnam Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$704.2MAssets
$450.3MLoans
$617.5MDeposits
$82.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 85% of banks under $1B in assets operating in a single state (rank 631 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.95%
Rank 431 of 746
Net Interest Margin
2.93%
Rank 631 of 746
Efficiency Ratio
55.63%
Rank 185 of 746
Equity / Assets
11.77%
Rank 253 of 746
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.72% | 1.06% | 1.45% | Beats 42% | 431 / 746 | | |
| Return on Equity | 8.06% | 6.74% | 10.51% | 13.63% | Beats 34% | 494 / 746 | | |
| Net Interest Margin | 2.93% | 3.17% | 3.68% | 4.16% | Beats 15% | 631 / 746 | | |
| Efficiency Ratio | 55.63% | 55.74% | 64.58% | 75.47% | Beats 75% | 185 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 192 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.32% | 11.55% | 13.75% | 17.60% | Beats 35% | 485 / 746 | | |
| Total Risk-Based Capital Ratio | 12.32% | 11.71% | 14.33% | 18.43% | Beats 31% | 513 / 746 | | |
| Equity / Assets | 11.77% | 8.90% | 10.51% | 13.06% | Beats 66% | 253 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.93% | 61.31% | 78.27% | 90.78% | 40th pctl | 447 / 746 | | |
| Loans / Assets | 63.94% | 53.60% | 66.97% | 76.08% | 42nd pctl | 431 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |