First National Bank of Peterstown, The
Peterstown, WV · Cert 6787 · Peer group: banks under $1B in assets (n=570-617) · 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 74 of 617).
- Widest gap: nonperforming loans / loans trails 80% of banks under $1B in assets (rank 455 of 570).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.22%
Rank 224 of 617
Net Interest Margin
3.28%
Rank 397 of 617
Efficiency Ratio
66.95%
Rank 295 of 617
Equity / Assets
12.94%
Rank 177 of 617
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 52% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.60% | 1.01% | 1.45% | Beats 64% | 224 / 617 | |
| Return on Equity | 9.44% | 5.30% | 9.43% | 13.30% | Beats 50% | 308 / 617 | |
| Net Interest Margin | 3.28% | 3.04% | 3.54% | 4.05% | Beats 36% | 397 / 617 | |
| Efficiency Ratio | 66.95% | 58.03% | 67.76% | 79.08% | Beats 52% | 295 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.09% | 0.47% | 1.27% | Beats 20% | 455 / 570 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 41% | 340 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 29.70% | 11.18% | 13.83% | 18.55% | Beats 88% | 74 / 617 | |
| Total Risk-Based Capital Ratio | 30.95% | 11.56% | 14.39% | 19.39% | Beats 88% | 74 / 617 | |
| Equity / Assets | 12.94% | 9.03% | 10.55% | 13.63% | Beats 71% | 177 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 49.58% | 64.77% | 79.70% | 93.06% | 11th pctl | 516 / 582 | |
| Loans / Assets | 43.10% | 51.70% | 67.18% | 77.51% | 17th pctl | 511 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |