Peterstown, WV · Cert 6787 · Peterstown Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Blacksburg-Christiansburg-Radford, VA · 2026 SOD (annual) · 0.2% share · #12 of 14 inst. · $0.0B of $4.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.12% | 0.98% | 1.31% | 1.22% | +1 bps | |
| Return on Equity | 10.75% | 9.72% | 8.33% | 10.49% | 9.64% | -111 bps | |
| Net Interest Margin | 2.98% | 3.04% | 3.10% | 3.34% | 3.28% | +30 bps | |
| Efficiency Ratio | 64.49% | 66.63% | 68.77% | 64.97% | 66.95% | +246 bps | |
| Non-Interest Burden | 1.62% | 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 / Loans | 0.55% | 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 / Loans | 1.45% | 1.46% | 1.46% | 1.48% | 1.52% | +7 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.5x | 0.7x | 6.1x | 1.0x | -1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.06% | 13.40% | 13.62% | 13.93% | 13.90% | +85 bps | |
| Total Risk-Based Capital | 28.82% | 29.32% | 28.99% | 29.86% | 30.95% | +214 bps | |
| Equity / Assets | 11.59% | 12.32% | 12.56% | 12.44% | 12.94% | +134 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.72% | 50.50% | 52.24% | 49.64% | 49.58% | -13 bps | |
| Liquid Assets / Assets | 11.87% | 11.91% | 12.67% | 11.88% | 17.76% | +589 bps | |
| CRE / Total Capital | n/a | 51.99% | 52.39% | 54.55% | n/a | n/a | |