Hancock County Savings Bank, F.S.B.
Chester, WV · Cert 29035 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 3 branches
Q2 2026
$508.0MAssets
$433.9MLoans
$401.2MDeposits
$92.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 89% of banks under $1B in assets (rank 72 of 629).
- Widest gap: return on equity trails 76% of banks under $1B in assets (rank 479 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $10.9M · efficiency ratio beats 57% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |