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First National Bank of Peterstown, The

Peterstown, WV · Cert 6787 · Peterstown Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

82

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

First National Bank of Peterstown, The

Peterstown, WV · Cert 6787 · Peterstown Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$84.9MAssets
$36.6MLoans
$73.8MDeposits
$11.0MEquity
Loan mix
88%RE $32.7M6%C&I $2.3M6%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
55%Interest-bearing $40.4M45%Noninterest $33.4MQ2 2025Q2 2026

NIM

3.71%Q2 ’243.56%Q2 ’253.75%Q2 ’26-5%+10%

Non-interest income vs. expense

2.45%Q2 ’242.46%Q2 ’252.73%Q2 ’26-7%+19%

Market Position · Blacksburg-Christiansburg-Radford, VA · 2026 SOD (annual) · 0.2% share · #12 of 14 inst. · $0.0B of $4.6B

32.4% Monroe
3.0% Giles

Executive Summary

  • Earnings: ROA of 1.22%, up 1 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 1.47% of loans (+92 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.90%, up 85 bps from a year ago.
  • Funding: loans stand at 49.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+30 bps YoY

Efficiency Ratio (YTD, annualized)

66.95%+246 bps YoY

Tier 1 Leverage Ratio

13.90%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.12%0.98%1.31%1.22%+1 bps
Return on Equity10.75%9.72%8.33%10.49%9.64%-111 bps
Net Interest Margin2.98%3.04%3.10%3.34%3.28%+30 bps
Efficiency Ratio64.49%66.63%68.77%64.97%66.95%+246 bps
Non-Interest Burden1.62%1.75%1.87%1.91%1.93%+31 bps
Growth
Asset Growth (YoY)0.51%-0.44%0.81%-0.25%-1.76%-227 bps
Loan Growth (YoY)-1.04%-2.35%-0.23%-1.06%-3.50%-246 bps
Deposit Growth (YoY)-0.97%-2.00%-0.85%-1.62%-3.24%-226 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.96%2.03%0.24%1.47%+92 bps
Net Charge-Offs / Loans-0.01%0.00%0.01%0.07%0.03%+3 bps
Allowance / Loans1.45%1.46%1.46%1.48%1.52%+7 bps
Allowance Coverage of NPLs2.6x1.5x0.7x6.1x1.0x-1.6x
Capital
Tier 1 Leverage Ratio13.06%13.40%13.62%13.93%13.90%+85 bps
Total Risk-Based Capital28.82%29.32%28.99%29.86%30.95%+214 bps
Equity / Assets11.59%12.32%12.56%12.44%12.94%+134 bps
Liquidity & Funding
Loans / Deposits49.72%50.50%52.24%49.64%49.58%-13 bps
Liquid Assets / Assets11.87%11.91%12.67%11.88%17.76%+589 bps
CRE / Total Capitaln/a51.99%52.39%54.55%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

First National Bank of Peterstown, The

Peterstown, WV · Cert 6787 · Peer group: banks under $1B in assets (n=573-620) · Peterstown Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$84.9MAssets
$36.6MLoans
$73.8MDeposits
$11.0MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets (rank 76 of 620).
  • Widest gap: nonperforming loans / loans trails 80% of banks under $1B in assets (rank 457 of 573).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.22%

Rank 218 of 620

Net Interest Margin

3.28%

Rank 391 of 620

Efficiency Ratio

66.95%

Rank 292 of 620

Equity / Assets

12.94%

Rank 178 of 620

Non-interest income vs. expense

$0.7M$2.4MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 53% of banks under $1B in assets
Bank 66.95%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.60%1.00%1.45%Beats 65%218 / 620
Return on Equity9.44%5.30%9.30%13.29%Beats 51%303 / 620
Net Interest Margin3.28%3.02%3.53%4.04%Beats 37%391 / 620
Efficiency Ratio66.95%58.35%68.08%79.37%Beats 53%292 / 620
Asset Quality
Nonperforming Loans / Loans1.47%0.09%0.47%1.27%Beats 20%457 / 573
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 41%341 / 573
Capital
Tier 1 Capital Ratio29.70%11.27%13.87%18.78%Beats 88%76 / 620
Total Risk-Based Capital Ratio30.95%11.69%14.57%19.67%Beats 88%76 / 620
Equity / Assets12.94%9.03%10.60%13.73%Beats 71%178 / 620
Liquidity & Funding
Loans / Deposits49.58%65.08%79.69%92.47%11th pctl519 / 585
Loans / Assets43.10%51.85%67.17%77.86%17th pctl515 / 620
Brokered Deposits / Depositsn/aNot reported for this institution