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
Unfavorable gap of $1.7M · efficiency ratio beats 53% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.60% | 1.00% | 1.45% | Beats 65% | 218 / 620 | | |
| Return on Equity | 9.44% | 5.30% | 9.30% | 13.29% | Beats 51% | 303 / 620 | | |
| Net Interest Margin | 3.28% | 3.02% | 3.53% | 4.04% | Beats 37% | 391 / 620 | | |
| Efficiency Ratio | 66.95% | 58.35% | 68.08% | 79.37% | Beats 53% | 292 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.09% | 0.47% | 1.27% | Beats 20% | 457 / 573 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 41% | 341 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 29.70% | 11.27% | 13.87% | 18.78% | Beats 88% | 76 / 620 | | |
| Total Risk-Based Capital Ratio | 30.95% | 11.69% | 14.57% | 19.67% | Beats 88% | 76 / 620 | | |
| Equity / Assets | 12.94% | 9.03% | 10.60% | 13.73% | Beats 71% | 178 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.58% | 65.08% | 79.69% | 92.47% | 11th pctl | 519 / 585 | | |
| Loans / Assets | 43.10% | 51.85% | 67.17% | 77.86% | 17th pctl | 515 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |