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
Unfavorable gap of $4.7M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.60% | 0.92% | 1.34% | Beats 55% | 380 / 849 | | |
| Return on Equity | 9.89% | 5.33% | 9.20% | 12.48% | Beats 57% | 368 / 848 | | |
| Net Interest Margin | 3.42% | 2.93% | 3.45% | 4.03% | Beats 48% | 438 / 849 | | |
| Efficiency Ratio | 67.71% | 58.46% | 68.22% | 77.90% | Beats 52% | 410 / 849 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.06% | 0.40% | 1.03% | Beats 59% | 346 / 843 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 61% | 331 / 843 | | |
| Capital |
| Tier 1 Capital Ratio | 11.08% | 11.59% | 13.93% | 17.99% | Beats 21% | 672 / 849 | | |
| Total Risk-Based Capital Ratio | 11.08% | 11.90% | 14.68% | 18.78% | Beats 19% | 690 / 849 | | |
| Equity / Assets | 10.04% | 8.73% | 10.40% | 13.12% | Beats 44% | 474 / 849 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.60% | 62.07% | 77.56% | 89.95% | 65th pctl | 293 / 849 | | |
| Loans / Assets | 76.62% | 53.39% | 65.75% | 75.62% | 77th pctl | 196 / 843 | | |
| Brokered Deposits / Deposits | 12.99% | n/a | n/a | 2.94% | Beats 7% | 790 / 849 | n/a | |