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 | |