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Letter portraitLegal landscapeQuarterYTD

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

3.76%Q2 ’243.64%Q2 ’253.76%Q2 ’26-2%+7%

Non-interest income vs. expense

2.63%Q2 ’242.46%Q2 ’252.85%Q2 ’26-13%+25%

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 1.12%, down 16 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.47% of loans (+92 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

1.12%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.29%+21 bps YoY

Efficiency Ratio (quarter, annualized)

68.87%+635 bps YoY

Tier 1 Leverage Ratio

13.90%+85 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%0.94%0.54%1.31%1.12%-16 bps
Return on Equity11.18%7.83%4.33%10.49%8.81%-236 bps
Net Interest Margin3.07%3.12%3.13%3.34%3.29%+21 bps
Efficiency Ratio62.51%70.81%75.15%64.97%68.87%+635 bps
Non-Interest Burden1.60%1.98%2.14%1.91%2.00%+40 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-0.04%0.00%0.03%0.07%-0.02%+2 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