Huntington Federal Savings Bank
Huntington, WV · Cert 27884 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
State savings bank · OCC · 5 branches
Q2 2026
$532.3MAssets
$291.3MLoans
$422.4MDeposits
$83.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks under $1B in assets operating in a single state (rank 89 of 752).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets operating in a single state (rank 743 of 752).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-0.39%
Rank 736 of 752
Net Interest Margin
1.45%
Rank 746 of 752
Efficiency Ratio
134.83%
Rank 743 of 752
Equity / Assets
15.64%
Rank 89 of 752
Non-interest income vs. expense
Unfavorable gap of $10.6M · efficiency ratio beats 1% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.39% | 0.72% | 1.07% | 1.45% | Beats 2% | 736 / 752 | |
| Return on Equity | -2.48% | 6.78% | 10.58% | 13.65% | Beats 3% | 732 / 752 | |
| Net Interest Margin | 1.45% | 3.18% | 3.69% | 4.17% | Beats 1% | 746 / 752 | |
| Efficiency Ratio | 134.83% | 55.75% | 64.49% | 75.47% | Beats 1% | 743 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.42% | 1.03% | Beats 59% | 310 / 748 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 377 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 11.55% | 13.75% | 17.60% | Beats 62% | 286 / 752 | |
| Total Risk-Based Capital Ratio | 15.07% | 11.70% | 14.33% | 18.47% | Beats 56% | 331 / 752 | |
| Equity / Assets | 15.64% | 8.93% | 10.56% | 13.13% | Beats 88% | 89 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 68.95% | 62.23% | 78.64% | 91.26% | 33rd pctl | 505 / 752 | |
| Loans / Assets | 54.72% | 54.61% | 67.41% | 76.47% | 25th pctl | 561 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |