Morgantown, WV · Cert 22954 · Morgantown Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Morgantown, WV · 2026 SOD (annual) · 0.7% share · #10 of 13 inst. · $0.0B of $5.7B
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 | 0.70% | 1.16% | 1.04% | 0.80% | 0.92% | 1.44% | 0.90% | 1.35% | +54 bps | |
| Return on Equity | 4.50% | 7.30% | 6.52% | 4.98% | 5.63% | 8.51% | 5.17% | 7.68% | +271 bps | |
| Net Interest Margin | 3.95% | 4.18% | 4.19% | 4.33% | 4.49% | 4.68% | 4.52% | 4.71% | +38 bps | |
| Efficiency Ratio | 77.44% | 69.38% | 71.97% | 76.40% | 74.30% | 60.83% | 73.84% | 64.55% | -1,185 bps | |
| Non-Interest Burden | 3.01% | 2.84% | 2.79% | 3.27% | 3.28% | 2.77% | 3.29% | 2.94% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | -0.90% | 2.58% | 1.99% | 2.53% | 3.03% | 1.24% | 2.76% | +78 bps | |
| Loan Growth (YoY) | -2.11% | -2.22% | 0.32% | -1.96% | -0.98% | 4.59% | 2.24% | 7.33% | +929 bps | |
| Deposit Growth (YoY) | -1.35% | 0.17% | 5.80% | 1.51% | 6.28% | 3.20% | -1.17% | 0.55% | -96 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.80% | 0.31% | 0.31% | 0.59% | 0.82% | 0.60% | 0.37% | 0.09% | -50 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.00% | 2.04% | 2.03% | 2.05% | 2.05% | 2.01% | 2.04% | 1.96% | -9 bps | |
| Allowance Coverage of NPLs | 2.5x | 6.5x | 6.6x | 3.5x | 2.5x | 3.4x | 5.5x | 21.1x | +17.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.70% | 17.78% | 18.14% | 17.99% | 17.94% | 18.42% | 18.61% | 18.79% | +79 bps | |
| Total Risk-Based Capital | 17.70% | 17.78% | 18.14% | 17.99% | 17.94% | 18.42% | 18.61% | 18.79% | +79 bps | |
| Equity / Assets | 15.74% | 15.98% | 16.00% | 16.31% | 16.41% | 17.51% | 17.49% | 17.58% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.75% | 90.73% | 87.57% | 87.57% | 86.41% | 91.95% | 90.59% | 93.48% | +591 bps | |
| Liquid Assets / Assets | 0.46% | 0.55% | 0.79% | 0.65% | 0.90% | 0.56% | 0.45% | 0.45% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 53.70% | 51.35% | 46.12% | n/a | n/a | |