Parkersburg, WV · Cert 19681 · Community Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Parkersburg-Vienna, WV · 2026 SOD (annual) · 11.5% share · #3 of 9 inst. · $0.3B 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 | 0.66% | 0.64% | 0.81% | 0.91% | 0.98% | 1.01% | 1.11% | 1.07% | +15 bps | |
| Return on Equity | 7.04% | 6.94% | 9.07% | 10.18% | 10.84% | 11.04% | 11.58% | 11.26% | +108 bps | |
| Net Interest Margin | 3.35% | 3.38% | 3.56% | 3.58% | 3.66% | 3.78% | 3.91% | 4.03% | +45 bps | |
| Efficiency Ratio | 77.84% | 77.18% | 73.13% | 70.83% | 69.44% | 69.40% | 67.50% | 68.79% | -204 bps | |
| Non-Interest Burden | 2.45% | 2.45% | 2.43% | 2.33% | 2.33% | 2.40% | 2.41% | 2.56% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.27% | 2.61% | 6.46% | 6.96% | 6.50% | 0.70% | -0.58% | 2.68% | -428 bps | |
| Loan Growth (YoY) | 2.73% | 4.98% | 3.77% | 2.59% | 1.20% | -2.59% | -2.56% | -1.82% | -441 bps | |
| Deposit Growth (YoY) | 1.14% | -4.84% | -5.09% | -1.78% | -2.84% | 0.03% | 2.29% | 7.52% | +930 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.10% | 0.85% | 0.44% | 0.45% | 0.35% | 0.34% | 0.47% | 0.40% | -5 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.03% | 0.54% | 0.26% | 0.13% | 0.09% | -0.01% | 0.01% | -24 bps | |
| Allowance / Loans | 0.82% | 0.82% | 0.73% | 0.77% | 0.85% | 0.89% | 0.93% | 0.94% | +17 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 1.6x | 1.7x | 2.4x | 2.6x | 2.0x | 2.3x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.72% | 9.55% | 9.34% | 9.25% | 9.35% | 9.63% | 9.82% | 9.92% | +67 bps | |
| Total Risk-Based Capital | 9.72% | 9.55% | 9.34% | 9.25% | 9.35% | 9.63% | 9.82% | 9.92% | +67 bps | |
| Equity / Assets | 9.49% | 8.98% | 8.92% | 8.97% | 9.21% | 9.64% | 9.55% | 9.24% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.29% | 116.86% | 113.26% | 111.71% | 111.75% | 113.80% | 107.89% | 102.01% | -970 bps | |
| Liquid Assets / Assets | 2.28% | 0.34% | 4.46% | 4.95% | 3.44% | 1.42% | 3.88% | 6.41% | +145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 202% | 209% | 204% | n/a | n/a | |