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Barbour County Bank

Philippi, WV · Cert 20215

FDIC · 5 branches

Q3 2025

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: Q3 2025, the quarter ended September 30, 2025, 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=843 to 849). 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

28

Q2 2024Q3 2025peer median (50)

Asset Quality

60

Q2 2024Q3 2025peer median (50)

Profitability

53

Q2 2024Q3 2025peer median (50)

Liquidity

66

Q2 2024Q3 2025peer median

Efficiency

52

Q2 2024Q3 2025peer 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

Barbour County Bank

Philippi, WV · Cert 20215

FDIC · 5 branches

Q3 2025

$233.1MAssets
$178.6MLoans
$208.6MDeposits
$23.4MEquity
Loan mix
89%RE $156.1M6%C&I $11.0M4%Consumer $7.4MQ3 2024Q3 2025
Deposit mix
82%Interest-bearing $171.1M18%Noninterest $37.5MQ3 2024Q3 2025

NIM

4.52%Q3 ’235.25%Q3 ’245.59%Q3 ’25-4%+22%

Non-interest income vs. expense

2.84%Q3 ’232.69%Q3 ’242.81%Q3 ’25-6%-4%

Executive Summary

  • Earnings: ROA of 1.02%, up 52 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.27% of loans (+7 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.08%, up 62 bps from a year ago.
  • Funding: loans stand at 85.60% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.02%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+63 bps YoY

Efficiency Ratio (YTD, annualized)

67.71%-1,345 bps YoY

Tier 1 Leverage Ratio

11.08%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.50%0.60%1.26%1.21%1.02%+52 bps
Return on Equity5.42%6.45%13.15%12.52%10.42%+500 bps
Net Interest Margin2.80%2.83%3.23%3.38%3.42%+63 bps
Efficiency Ratio81.17%78.69%62.96%62.41%67.71%-1,345 bps
Non-Interest Burden2.17%2.12%1.54%1.77%2.08%-9 bps
Growth
Asset Growth (YoY)5.88%5.47%2.57%2.29%4.79%-109 bps
Loan Growth (YoY)5.87%5.36%2.13%1.84%3.28%-259 bps
Deposit Growth (YoY)7.82%8.58%5.29%3.35%6.24%-159 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.25%0.25%0.21%0.27%+7 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.01%0.01%0 bps
Allowance / Loans0.93%0.93%0.93%0.91%0.90%-3 bps
Allowance Coverage of NPLs4.7x3.6x3.7x4.3x3.3x-1.4x
Capital
Tier 1 Leverage Ratio10.46%10.43%10.76%11.11%11.08%+62 bps
Total Risk-Based Capital10.46%10.43%10.76%11.11%11.08%+62 bps
Equity / Assets9.50%9.30%9.85%9.96%10.04%+54 bps
Liquidity & Funding
Loans / Deposits88.05%86.47%85.99%87.39%85.60%-245 bps
Liquid Assets / Assets2.10%3.27%2.65%1.25%3.53%+143 bps
CRE / Total Capitaln/an/an/an/a397%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

Barbour County Bank

Philippi, WV · Cert 20215 · Peer group: banks under $1B in assets operating in a single state (n=843-849)

FDIC · 5 branches

Q3 2025

$233.1MAssets
$178.6MLoans
$208.6MDeposits
$23.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 61% of banks under $1B in assets operating in a single state (rank 331 of 843).
  • Widest gap: brokered deposits / deposits trails 93% of banks under $1B in assets operating in a single state (rank 790 of 849).
  • Overall: at or above the peer median on 5 of 10 directional measures.

Return on Assets

0.99%

Rank 380 of 849

Net Interest Margin

3.42%

Rank 438 of 849

Efficiency Ratio

67.71%

Rank 410 of 849

Equity / Assets

10.04%

Rank 474 of 849

Non-interest income vs. expense

$1.7M$6.4MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
Bank 67.71%Peer median 68.2%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.99%0.60%0.92%1.34%Beats 55%380 / 849
Return on Equity9.89%5.33%9.20%12.48%Beats 57%368 / 848
Net Interest Margin3.42%2.93%3.45%4.03%Beats 48%438 / 849
Efficiency Ratio67.71%58.46%68.22%77.90%Beats 52%410 / 849
Asset Quality
Nonperforming Loans / Loans0.27%0.06%0.40%1.03%Beats 59%346 / 843
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 61%331 / 843
Capital
Tier 1 Capital Ratio11.08%11.59%13.93%17.99%Beats 21%672 / 849
Total Risk-Based Capital Ratio11.08%11.90%14.68%18.78%Beats 19%690 / 849
Equity / Assets10.04%8.73%10.40%13.12%Beats 44%474 / 849
Liquidity & Funding
Loans / Deposits85.60%62.07%77.56%89.95%65th pctl293 / 849
Loans / Assets76.62%53.39%65.75%75.62%77th pctl196 / 843
Brokered Deposits / Deposits12.99%n/an/a2.94%Beats 7%790 / 849