Philippi, WV · Cert 20215
FDIC · 5 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.88% | 1.26% | 1.17% | 0.65% | +7 bps | |
| Return on Equity | 6.21% | 9.35% | 13.15% | 11.86% | 6.48% | +27 bps | |
| Net Interest Margin | 2.98% | 3.14% | 3.23% | 3.50% | 3.63% | +65 bps | |
| Efficiency Ratio | 79.51% | 72.20% | 62.96% | 61.77% | 78.63% | -88 bps | |
| Non-Interest Burden | 2.25% | 2.12% | 1.54% | 2.00% | 2.76% | +51 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 / Loans | 0.20% | 0.25% | 0.25% | 0.21% | 0.27% | +7 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.03% | -0.01% | -3 bps | |
| Allowance / Loans | 0.93% | 0.93% | 0.93% | 0.91% | 0.90% | -3 bps | |
| Allowance Coverage of NPLs | 4.7x | 3.6x | 3.7x | 4.3x | 3.3x | -1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.46% | 10.43% | 10.76% | 11.11% | 11.08% | +62 bps | |
| Total Risk-Based Capital | 10.46% | 10.43% | 10.76% | 11.11% | 11.08% | +62 bps | |
| Equity / Assets | 9.50% | 9.30% | 9.85% | 9.96% | 10.04% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.05% | 86.47% | 85.99% | 87.39% | 85.60% | -245 bps | |
| Liquid Assets / Assets | 2.10% | 3.27% | 2.65% | 1.25% | 3.53% | +143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 397% | n/a | n/a |