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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 assets operating regionally3

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 operating regionally (n=94). 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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

39

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 2026-10-11

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 2026-10-11

First National Bank of Peterstown, The

Peterstown, WV · Cert 6787 · Peer group: banks under $1B in assets operating regionally (n=94) · 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 98% of banks under $1B in assets operating regionally (rank 2 of 94).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets operating regionally (rank 80 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.22%

Rank 44 of 94

Net Interest Margin

3.28%

Rank 80 of 94

Efficiency Ratio

66.95%

Rank 58 of 94

Equity / Assets

12.94%

Rank 10 of 94

Non-interest income vs. expense

$0.7M$2.4MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 39% of banks under $1B in assets operating regionally
Bank 66.95%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.82%1.19%1.46%Beats 53%44 / 94
Return on Equity9.44%7.85%11.84%14.03%Beats 31%65 / 94
Net Interest Margin3.28%3.42%3.81%4.18%Beats 15%80 / 94
Efficiency Ratio66.95%55.99%62.41%73.02%Beats 39%58 / 94
Asset Quality
Nonperforming Loans / Loans1.47%0.19%0.47%1.14%Beats 17%79 / 94
Net Charge-Offs / Loans0.02%0.00%0.02%0.05%Beats 49%49 / 94
Capital
Tier 1 Capital Ratio29.70%10.28%11.95%15.07%Beats 98%2 / 94
Total Risk-Based Capital Ratio30.95%10.31%12.59%15.88%Beats 98%2 / 94
Equity / Assets12.94%8.98%10.21%11.41%Beats 89%10 / 94
Liquidity & Funding
Loans / Deposits49.58%72.62%84.44%94.55%3rd pctl91 / 94
Loans / Assets43.10%62.50%72.84%78.99%3rd pctl91 / 94
Brokered Deposits / Depositsn/aNot reported for this institution