Huntington Federal Savings Bank
Huntington, WV · Cert 27884 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 5 branches
Q2 2026
$532.3MAssets
$291.3MLoans
$422.4MDeposits
$83.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 89% of banks under $1B in assets operating in a single state (rank 84 of 746).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets operating in a single state (rank 739 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.39%
Rank 731 of 746
Net Interest Margin
1.45%
Rank 740 of 746
Efficiency Ratio
134.83%
Rank 739 of 746
Equity / Assets
15.64%
Rank 84 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.39% | 0.72% | 1.06% | 1.45% | Beats 2% | 731 / 746 | | |
| Return on Equity | -2.48% | 6.74% | 10.51% | 13.63% | Beats 2% | 728 / 746 | | |
| Net Interest Margin | 1.45% | 3.17% | 3.68% | 4.16% | Beats 1% | 740 / 746 | | |
| Efficiency Ratio | 134.83% | 55.74% | 64.58% | 75.47% | Beats 1% | 739 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.42% | 1.07% | Beats 60% | 300 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 49% | 384 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.07% | 11.55% | 13.75% | 17.60% | Beats 62% | 285 / 746 | | |
| Total Risk-Based Capital Ratio | 15.07% | 11.71% | 14.33% | 18.43% | Beats 56% | 327 / 746 | | |
| Equity / Assets | 15.64% | 8.90% | 10.51% | 13.06% | Beats 89% | 84 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.95% | 61.31% | 78.27% | 90.78% | 34th pctl | 492 / 746 | | |
| Loans / Assets | 54.72% | 53.60% | 66.97% | 76.08% | 26th pctl | 549 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |