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
Unfavorable gap of $1.7M · efficiency ratio beats 39% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.82% | 1.19% | 1.46% | Beats 53% | 44 / 94 | | |
| Return on Equity | 9.44% | 7.85% | 11.84% | 14.03% | Beats 31% | 65 / 94 | | |
| Net Interest Margin | 3.28% | 3.42% | 3.81% | 4.18% | Beats 15% | 80 / 94 | | |
| Efficiency Ratio | 66.95% | 55.99% | 62.41% | 73.02% | Beats 39% | 58 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.19% | 0.47% | 1.14% | Beats 17% | 79 / 94 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 49% | 49 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 29.70% | 10.28% | 11.95% | 15.07% | Beats 98% | 2 / 94 | | |
| Total Risk-Based Capital Ratio | 30.95% | 10.31% | 12.59% | 15.88% | Beats 98% | 2 / 94 | | |
| Equity / Assets | 12.94% | 8.98% | 10.21% | 11.41% | Beats 89% | 10 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.58% | 72.62% | 84.44% | 94.55% | 3rd pctl | 91 / 94 | | |
| Loans / Assets | 43.10% | 62.50% | 72.84% | 78.99% | 3rd pctl | 91 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |