Hurricane, WV · Cert 15243 · Putnam Bancshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 7.7% share · #3 of 26 inst. · $0.6B of $8.0B
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 | 0.61% | 0.51% | 0.73% | 0.76% | 0.90% | 0.88% | 1.04% | 0.97% | +21 bps | |
| Return on Equity | 5.27% | 4.46% | 6.29% | 6.60% | 7.69% | 7.48% | 8.60% | 8.13% | +153 bps | |
| Net Interest Margin | 2.52% | 2.52% | 2.60% | 2.76% | 2.83% | 2.90% | 2.90% | 2.93% | +17 bps | |
| Efficiency Ratio | 69.82% | 74.10% | 61.09% | 61.15% | 58.67% | 61.66% | 54.00% | 55.63% | -552 bps | |
| Non-Interest Burden | 1.73% | 1.85% | 1.56% | 1.66% | 1.62% | 1.76% | 1.53% | 1.59% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 6.70% | 2.14% | 6.07% | 2.51% | 0.29% | 9.10% | 5.85% | -22 bps | |
| Loan Growth (YoY) | 7.58% | 6.06% | 5.55% | 5.95% | 4.15% | 7.35% | 6.83% | 2.32% | -363 bps | |
| Deposit Growth (YoY) | 3.70% | 7.44% | 4.69% | 8.08% | 3.26% | -0.03% | 9.28% | 5.76% | -232 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.12% | 0.01% | 0.00% | 0.03% | 0.08% | 0.06% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.02% | -0.02% | -0.06% | -0.05% | -0.03% | -0.03% | -1 bps | |
| Allowance / Loans | 1.20% | 1.17% | 1.18% | 1.14% | 1.14% | 1.11% | 1.13% | 1.17% | +3 bps | |
| Allowance Coverage of NPLs | 2.6x | 10.0x | 108.2x | n/a | 36.6x | 14.5x | 20.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.53% | 12.17% | 12.50% | 12.38% | 12.38% | 12.51% | 12.82% | 12.32% | -6 bps | |
| Total Risk-Based Capital | 12.53% | 12.17% | 12.50% | 12.38% | 12.38% | 12.51% | 12.82% | 12.32% | -6 bps | |
| Equity / Assets | 11.48% | 11.36% | 11.73% | 11.66% | 11.90% | 12.47% | 11.63% | 11.77% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.20% | 74.86% | 74.20% | 75.38% | 74.85% | 80.39% | 72.54% | 72.93% | -245 bps | |
| Liquid Assets / Assets | 14.41% | 12.49% | 13.41% | 12.29% | 13.47% | 8.76% | 16.90% | 15.11% | +282 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 203% | 208% | 205% | n/a | n/a | |