Philippi, WV · Cert 20215
FDIC · 5 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.33% | 0.46% | 0.50% | 0.60% | 1.26% | 1.21% | 1.02% | +52 bps | |
| Return on Equity | 5.56% | 3.58% | 5.04% | 5.42% | 6.45% | 13.15% | 12.52% | 10.42% | +500 bps | |
| Net Interest Margin | 2.81% | 2.66% | 2.72% | 2.80% | 2.83% | 3.23% | 3.38% | 3.42% | +63 bps | |
| Efficiency Ratio | 82.06% | 87.71% | 82.07% | 81.17% | 78.69% | 62.96% | 62.41% | 67.71% | -1,345 bps | |
| Non-Interest Burden | 2.20% | 2.28% | 2.14% | 2.17% | 2.12% | 1.54% | 1.77% | 2.08% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.56% | 7.83% | 6.86% | 5.88% | 5.47% | 2.57% | 2.29% | 4.79% | -109 bps | |
| Loan Growth (YoY) | 8.46% | 8.02% | 6.92% | 5.87% | 5.36% | 2.13% | 1.84% | 3.28% | -259 bps | |
| Deposit Growth (YoY) | 7.49% | 10.58% | 10.70% | 7.82% | 8.58% | 5.29% | 3.35% | 6.24% | -159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.39% | 0.20% | 0.25% | 0.25% | 0.21% | 0.27% | +7 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.96% | 0.94% | 0.93% | 0.93% | 0.93% | 0.93% | 0.91% | 0.90% | -3 bps | |
| Allowance Coverage of NPLs | 14.7x | 15.3x | 2.4x | 4.7x | 3.6x | 3.7x | 4.3x | 3.3x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.36% | 10.36% | 10.46% | 10.43% | 10.76% | 11.11% | 11.08% | +62 bps | |
| Total Risk-Based Capital | 10.41% | 10.36% | 10.36% | 10.46% | 10.43% | 10.76% | 11.11% | 11.08% | +62 bps | |
| Equity / Assets | 9.22% | 9.10% | 9.14% | 9.50% | 9.30% | 9.85% | 9.96% | 10.04% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.11% | 88.65% | 88.69% | 88.05% | 86.47% | 85.99% | 87.39% | 85.60% | -245 bps | |
| Liquid Assets / Assets | 2.00% | 2.13% | 1.79% | 2.10% | 3.27% | 2.65% | 1.25% | 3.53% | +143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 397% | n/a | n/a |