Williamson, WV · Cert 22273
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 0.1% share · #25 of 26 inst. · $0.0B of $8.0B
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.20% | 0.67% | 0.87% | 0.88% | 0.57% | 0.30% | 0.24% | -63 bps | |
| Return on Equity | 11.00% | 9.09% | 5.05% | 6.36% | 6.28% | 4.14% | 2.18% | 1.78% | -458 bps | |
| Net Interest Margin | 4.41% | 4.23% | 4.19% | 4.28% | 4.71% | 4.34% | 4.06% | 4.06% | -22 bps | |
| Efficiency Ratio | 61.72% | 66.14% | 72.57% | 76.64% | 77.72% | 80.28% | 87.67% | 92.99% | +1,634 bps | |
| Non-Interest Burden | 2.44% | 2.38% | 2.93% | 3.19% | 3.58% | 3.42% | 3.52% | 3.75% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | 1.89% | 3.53% | -0.07% | 0.35% | 3.95% | 3.35% | 8.14% | +820 bps | |
| Loan Growth (YoY) | 6.04% | 4.08% | 0.38% | -2.02% | -1.40% | 2.58% | 1.51% | -0.63% | +139 bps | |
| Deposit Growth (YoY) | 1.68% | 1.73% | 2.97% | 0.29% | 0.33% | 4.13% | 3.75% | 7.45% | +716 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 1.44% | 1.33% | 1.78% | 1.69% | 1.37% | 1.95% | 2.48% | +69 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.20% | 0.00% | -0.03% | -0.01% | 0.08% | 0.34% | -0.19% | -16 bps | |
| Allowance / Loans | 1.59% | 1.61% | 1.65% | 1.64% | 1.64% | 1.60% | 1.60% | 1.66% | +2 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.1x | 1.2x | 0.9x | 1.0x | 1.2x | 0.8x | 0.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.28% | 13.28% | 13.63% | 13.84% | 14.05% | 13.88% | 13.76% | 13.62% | -22 bps | |
| Total Risk-Based Capital | 19.20% | 19.28% | 19.30% | 19.36% | 19.18% | 18.88% | 19.17% | 19.23% | -13 bps | |
| Equity / Assets | 13.21% | 13.15% | 13.46% | 13.84% | 14.02% | 13.72% | 13.57% | 13.28% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.53% | 99.46% | 97.08% | 100.22% | 99.77% | 97.98% | 94.99% | 92.68% | -754 bps | |
| Liquid Assets / Assets | 0.34% | 0.52% | 1.62% | 0.87% | 0.27% | 1.03% | 2.36% | 0.71% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 338% | 330% | n/a | n/a | |