Bruceton Mills, WV · Cert 2443 · State Bcorp Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
61
Profitability
80
Liquidity
79
Efficiency
59
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bruceton Mills, WV · Cert 2443 · State Bcorp Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
Market Position · Morgantown, WV · 2026 SOD (annual) · 12.9% share · #3 of 13 inst. · $0.7B of $5.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.17% | 1.34% | 1.37% | 1.36% | 1.28% | 1.53% | 1.65% | +28 bps | |
| Return on Equity | 11.65% | 11.68% | 12.90% | 13.03% | 12.68% | 11.73% | 12.88% | 14.00% | +97 bps | |
| Net Interest Margin | 3.45% | 3.60% | 3.83% | 3.98% | 4.04% | 3.99% | 4.22% | 4.26% | +28 bps | |
| Efficiency Ratio | 62.11% | 62.66% | 63.05% | 62.47% | 61.89% | 61.28% | 58.34% | 57.59% | -488 bps | |
| Non-Interest Burden | 1.84% | 1.94% | 2.15% | 2.21% | 2.20% | 2.14% | 2.14% | 2.10% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.87% | 2.72% | 1.08% | -1.92% | 1.57% | 0.75% | 1.98% | 4.76% | +668 bps | |
| Loan Growth (YoY) | 9.36% | 4.24% | 2.23% | 1.83% | 6.15% | 7.92% | 7.81% | 8.96% | +712 bps | |
| Deposit Growth (YoY) | 4.18% | 4.53% | 7.30% | 6.58% | 6.10% | 2.96% | 2.49% | 2.53% | -406 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.44% | 0.41% | 0.35% | 0.33% | 0.34% | 0.34% | 0.30% | -6 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.11% | 0.19% | 0.12% | 0.09% | 0.12% | 0.07% | 0.06% | -6 bps | |
| Allowance / Loans | 1.45% | 1.42% | 1.37% | 1.38% | 1.36% | 1.35% | 1.36% | 1.36% | -2 bps | |
| Allowance Coverage of NPLs | 4.2x | 3.3x | 3.4x | 3.9x | 4.1x | 4.0x | 4.0x | 4.6x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.06% | 12.59% | 12.87% | 13.13% | 13.36% | 13.15% | 13.60% | 13.08% | -5 bps | |
| Total Risk-Based Capital | 12.06% | 12.59% | 12.87% | 13.13% | 13.36% | 13.15% | 13.60% | 13.08% | -5 bps | |
| Equity / Assets | 10.44% | 10.31% | 10.40% | 10.77% | 11.31% | 11.94% | 11.81% | 11.53% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.04% | 83.71% | 81.78% | 80.99% | 86.08% | 87.74% | 86.03% | 86.07% | +508 bps | |
| Liquid Assets / Assets | 5.92% | 6.04% | 5.37% | 5.11% | 2.87% | 2.16% | 4.69% | 5.01% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 200% | 204% | 195.45% | n/a | n/a | |
Bruceton Mills, WV · Cert 2443 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · State Bcorp Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
Return on Assets
1.62%
Rank 35 of 176
Net Interest Margin
4.26%
Rank 18 of 176
Efficiency Ratio
57.59%
Rank 73 of 176
Equity / Assets
11.53%
Rank 49 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.62% | 0.93% | 1.26% | 1.54% | Beats 80% | 35 / 176 | ||
| Return on Equity | 14.02% | 9.26% | 11.89% | 14.46% | Beats 69% | 54 / 176 | ||
| Net Interest Margin | 4.26% | 3.25% | 3.59% | 3.93% | Beats 90% | 18 / 176 | ||
| Efficiency Ratio | 57.59% | 52.79% | 59.55% | 67.66% | Beats 59% | 73 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.30% | 0.64% | 1.32% | Beats 76% | 43 / 176 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 45% | 97 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.08% | 11.15% | 12.72% | 14.15% | Beats 59% | 73 / 176 | ||
| Total Risk-Based Capital Ratio | 13.08% | 11.81% | 13.63% | 15.33% | Beats 42% | 102 / 176 | ||
| Equity / Assets | 11.53% | 9.16% | 10.35% | 11.80% | Beats 72% | 49 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.07% | 80.94% | 89.73% | 97.21% | 39th pctl | 108 / 176 | ||
| Loans / Assets | 74.44% | 69.25% | 75.12% | 80.82% | 47th pctl | 93 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||