Chester, WV · Cert 29035
State savings bank · OCC · 3 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
44
Profitability
39
Liquidity
0
Efficiency
57
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.
Chester, WV · Cert 29035
State savings bank · OCC · 3 branches
Q2 2026
Market Position · Weirton-Steubenville, WV-OH · 2026 SOD (annual) · 16.0% share · #3 of 11 inst. · $0.4B of $2.5B
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 | 0.69% | 0.66% | 0.76% | 0.72% | 0.78% | 0.78% | 1.05% | 0.97% | +25 bps | |
| Return on Equity | 3.86% | 3.66% | 4.26% | 4.05% | 4.34% | 4.31% | 5.66% | 5.26% | +121 bps | |
| Net Interest Margin | 3.05% | 3.03% | 3.09% | 3.15% | 3.28% | 3.36% | 3.52% | 3.49% | +33 bps | |
| Efficiency Ratio | 71.07% | 72.50% | 69.59% | 71.11% | 68.87% | 69.44% | 64.10% | 65.53% | -558 bps | |
| Non-Interest Burden | 2.06% | 2.09% | 2.04% | 2.14% | 2.15% | 2.22% | 2.14% | 2.17% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | 4.55% | 6.50% | 3.38% | 1.51% | 0.22% | 0.84% | 3.81% | +42 bps | |
| Loan Growth (YoY) | 4.03% | 3.45% | 3.07% | 2.34% | 2.08% | 1.93% | 1.38% | 1.74% | -60 bps | |
| Deposit Growth (YoY) | 4.81% | 6.65% | 7.53% | 3.52% | 1.46% | -0.23% | 0.48% | 4.24% | +71 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.38% | 0.52% | 0.63% | 0.68% | 0.79% | 0.76% | 0.63% | +1 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.01% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.05% | 1.06% | 1.09% | 1.10% | 1.10% | 1.12% | +6 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.7x | 2.0x | 1.7x | 1.6x | 1.4x | 1.4x | 1.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.16% | 18.04% | 17.94% | 17.79% | 18.30% | 18.69% | 18.69% | 18.37% | +59 bps | |
| Total Risk-Based Capital | 35.92% | 35.94% | 35.95% | 35.94% | 36.22% | 36.55% | 37.08% | 36.88% | +94 bps | |
| Equity / Assets | 18.04% | 17.91% | 17.69% | 17.98% | 18.52% | 18.70% | 18.40% | 18.19% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.03% | 111.85% | 109.23% | 110.81% | 113.72% | 114.27% | 110.20% | 108.15% | -265 bps | |
| Liquid Assets / Assets | 6.71% | 7.56% | 9.29% | 7.46% | 5.66% | 5.95% | 8.25% | 7.96% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 17.68% | 18.06% | 17.01% | n/a | n/a | |
Chester, WV · Cert 29035 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 3 branches
Q2 2026
Return on Assets
0.95%
Rank 348 of 629
Net Interest Margin
3.49%
Rank 332 of 629
Efficiency Ratio
65.57%
Rank 272 of 629
Equity / Assets
18.19%
Rank 93 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.60% | 1.01% | 1.45% | Beats 45% | 348 / 629 | ||
| Return on Equity | 5.20% | 5.38% | 9.30% | 13.28% | Beats 24% | 479 / 629 | ||
| Net Interest Margin | 3.49% | 3.03% | 3.54% | 4.05% | Beats 47% | 332 / 629 | ||
| Efficiency Ratio | 65.57% | 58.35% | 67.79% | 79.08% | Beats 57% | 272 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.46% | 1.20% | Beats 41% | 341 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 315 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 35.62% | 11.24% | 13.84% | 18.77% | Beats 88% | 73 / 629 | ||
| Total Risk-Based Capital Ratio | 36.88% | 11.58% | 14.43% | 19.66% | Beats 89% | 72 / 629 | ||
| Equity / Assets | 18.19% | 9.09% | 10.65% | 13.80% | Beats 85% | 93 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.15% | 67.24% | 80.90% | 93.48% | 94th pctl | 38 / 594 | ||
| Loans / Assets | 85.41% | 53.31% | 67.71% | 78.15% | 93rd pctl | 46 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||