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Community Bank of Parkersburg

Parkersburg, WV · Cert 19681 · Community Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

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.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank of Parkersburg

Parkersburg, WV · Cert 19681 · Community Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$340.3MAssets
$267.9MLoans
$262.6MDeposits
$31.4MEquity
Loan mix
86%RE $229.0M7%C&I $18.6M7%Consumer $17.9MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $168.6M36%Noninterest $94.0MQ2 2025Q2 2026

NIM

4.87%Q2 ’245.15%Q2 ’255.42%Q2 ’26+8%+13%

Non-interest income vs. expense

3.17%Q2 ’243.03%Q2 ’253.24%Q2 ’26-5%+10%

Market Position · Parkersburg-Vienna, WV · 2026 SOD (annual) · 11.5% share · #3 of 9 inst. · $0.3B of $2.3B

Executive Summary

  • Earnings: ROA of 1.07%, up 15 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.40% of loans (-5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.92%, up 67 bps from a year ago.
  • Funding: loans stand at 102.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+45 bps YoY

Efficiency Ratio (YTD, annualized)

68.79%-204 bps YoY

Tier 1 Leverage Ratio

9.92%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.98%1.01%1.11%1.07%+15 bps
Return on Equity10.18%10.84%11.04%11.58%11.26%+108 bps
Net Interest Margin3.58%3.66%3.78%3.91%4.03%+45 bps
Efficiency Ratio70.83%69.44%69.40%67.50%68.79%-204 bps
Non-Interest Burden2.33%2.33%2.40%2.41%2.56%+23 bps
Growth
Asset Growth (YoY)6.96%6.50%0.70%-0.58%2.68%-428 bps
Loan Growth (YoY)2.59%1.20%-2.59%-2.56%-1.82%-441 bps
Deposit Growth (YoY)-1.78%-2.84%0.03%2.29%7.52%+930 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.35%0.34%0.47%0.40%-5 bps
Net Charge-Offs / Loans0.26%0.13%0.09%-0.01%0.01%-24 bps
Allowance / Loans0.77%0.85%0.89%0.93%0.94%+17 bps
Allowance Coverage of NPLs1.7x2.4x2.6x2.0x2.3x+0.6x
Capital
Tier 1 Leverage Ratio9.25%9.35%9.63%9.82%9.92%+67 bps
Total Risk-Based Capital9.25%9.35%9.63%9.82%9.92%+67 bps
Equity / Assets8.97%9.21%9.64%9.55%9.24%+26 bps
Liquidity & Funding
Loans / Deposits111.71%111.75%113.80%107.89%102.01%-970 bps
Liquid Assets / Assets4.95%3.44%1.42%3.88%6.41%+145 bps
CRE / Total Capitaln/a202%209%204%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank of Parkersburg

Parkersburg, WV · Cert 19681 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$340.3MAssets
$267.9MLoans
$262.6MDeposits
$31.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 68% of banks under $1B in assets operating in a single state (rank 236 of 746).
  • Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets operating in a single state (rank 694 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.03%

Rank 392 of 746

Net Interest Margin

4.03%

Rank 236 of 746

Efficiency Ratio

68.79%

Rank 444 of 746

Equity / Assets

9.24%

Rank 527 of 746

Non-interest income vs. expense

$2.2M$10.5MINCOMEEXPENSE
Unfavorable gap of $8.3M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state
Bank 68.79%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.72%1.06%1.45%Beats 47%392 / 746
Return on Equity11.16%6.74%10.51%13.63%Beats 56%326 / 746
Net Interest Margin4.03%3.17%3.68%4.16%Beats 68%236 / 746
Efficiency Ratio68.79%55.74%64.58%75.47%Beats 41%444 / 746
Asset Quality
Nonperforming Loans / Loans0.40%0.09%0.42%1.07%Beats 52%357 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 45%411 / 743
Capital
Tier 1 Capital Ratio9.92%11.55%13.75%17.60%Beats 7%692 / 746
Total Risk-Based Capital Ratio9.92%11.71%14.33%18.43%Beats 7%694 / 746
Equity / Assets9.24%8.90%10.51%13.06%Beats 29%527 / 746
Liquidity & Funding
Loans / Deposits102.01%61.31%78.27%90.78%92nd pctl60 / 746
Loans / Assets78.71%53.60%66.97%76.08%82nd pctl137 / 746
Brokered Deposits / Depositsn/aNot reported for this institution