Spencer, WV · Cert 6800 · West-Central Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q1 2026
Market Position · Parkersburg-Vienna, WV · 2025 SOD (annual) · 1.8% share · #8 of 10 inst. · $0.0B of $2.2B
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | -0.34% | -0.25% | -0.09% | 0.25% | +98 bps | |
| Return on Equity | -8.85% | -4.14% | -3.03% | -1.01% | 2.79% | +1,164 bps | |
| Net Interest Margin | 2.28% | 2.41% | 2.51% | 2.52% | 2.49% | +21 bps | |
| Efficiency Ratio | 135.34% | 113.44% | 109.41% | 108.18% | 90.67% | -4,468 bps | |
| Non-Interest Burden | 3.01% | 2.75% | 2.77% | 2.75% | 2.23% | -78 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.37% | 8.16% | 5.61% | 0.41% | 1.22% | -515 bps | |
| Loan Growth (YoY) | -6.18% | -9.80% | -10.02% | -10.10% | -8.08% | -190 bps | |
| Deposit Growth (YoY) | 6.51% | 8.58% | 6.29% | -0.58% | 0.82% | -569 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.10% | 0.13% | +11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.02% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 1.28% | 1.31% | 1.36% | 1.37% | 1.38% | +10 bps | |
| Allowance Coverage of NPLs | 74.9x | n/a | 520.0x | 14.0x | 10.7x | -64.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.34% | 10.65% | 10.82% | 10.41% | -14 bps | |
| Total Risk-Based Capital | 10.56% | 10.34% | 10.65% | 10.82% | 10.41% | -14 bps | |
| Equity / Assets | 8.24% | 8.20% | 8.97% | 9.13% | 8.77% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.96% | 53.73% | 54.99% | 53.73% | 51.93% | -503 bps | |
| Liquid Assets / Assets | 0.45% | 0.45% | 0.47% | 0.47% | 0.46% | +2 bps | |
| CRE / Total Capital | n/a | n/a | 116.94% | 115.93% | 113.48% | n/a | |