Huntington, WV · Cert 27884
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 5.3% share · #7 of 26 inst. · $0.4B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.57% | -0.65% | -0.42% | -0.46% | -0.31% | +26 bps | |
| Return on Equity | -3.68% | -4.24% | -2.79% | -2.96% | -1.97% | +171 bps | |
| Net Interest Margin | 1.11% | 1.16% | 1.21% | 1.43% | 1.46% | +35 bps | |
| Efficiency Ratio | 164.89% | 171.60% | 152.73% | 142.95% | 127.41% | -3,748 bps | |
| Non-Interest Burden | 1.85% | 2.02% | 1.86% | 2.03% | 1.89% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.62% | 0.89% | 1.70% | -2.89% | -4.37% | -375 bps | |
| Loan Growth (YoY) | 3.36% | 2.71% | 2.30% | 4.38% | 1.93% | -143 bps | |
| Deposit Growth (YoY) | 0.42% | 4.03% | 4.52% | -1.25% | -1.91% | -234 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.43% | 0.33% | 0.21% | 0.29% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 0.84% | 0.83% | 0.83% | 0.82% | 0.81% | -3 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.0x | 2.5x | 3.9x | 2.8x | +1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.16% | 14.93% | 14.80% | 14.96% | 15.07% | -8 bps | |
| Total Risk-Based Capital | 15.16% | 14.93% | 14.80% | 14.96% | 15.07% | -8 bps | |
| Equity / Assets | 15.35% | 15.19% | 15.24% | 15.53% | 15.64% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.35% | 66.58% | 66.49% | 69.08% | 68.95% | +260 bps | |
| Liquid Assets / Assets | 44.59% | 44.52% | 43.97% | 41.21% | 41.21% | -338 bps | |
| CRE / Total Capital | n/a | 53.93% | 53.65% | 57.61% | n/a | n/a | |