PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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