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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.20% | -0.58% | -0.73% | 0.04% | -0.08% | 0.42% | 0.25% | +98 bps | |
| Return on Equity | 3.79% | 2.20% | -6.56% | -8.85% | 0.52% | -0.92% | 4.69% | 2.79% | +1,164 bps | |
| Net Interest Margin | 2.84% | 2.67% | 2.46% | 2.28% | 2.59% | 2.57% | 2.51% | 2.49% | +21 bps | |
| Efficiency Ratio | 89.97% | 103.42% | 128.84% | 135.34% | 98.58% | 102.49% | 104.71% | 90.67% | -4,468 bps | |
| Non-Interest Burden | 2.51% | 2.78% | 3.29% | 3.01% | 2.55% | 2.64% | 2.65% | 2.23% | -78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.78% | -4.37% | 2.55% | 6.37% | 8.16% | 5.61% | 0.41% | 1.22% | -515 bps | |
| Loan Growth (YoY) | -3.10% | -4.31% | -4.89% | -6.18% | -9.80% | -10.02% | -10.10% | -8.08% | -190 bps | |
| Deposit Growth (YoY) | -6.72% | -6.55% | 2.95% | 6.51% | 8.58% | 6.29% | -0.58% | 0.82% | -569 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.20% | 0.00% | 0.02% | 0.00% | 0.00% | 0.10% | 0.13% | +11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.17% | 0.02% | 0.00% | 0.08% | -0.03% | 0.03% | 0.02% | +2 bps | |
| Allowance / Loans | 1.24% | 1.23% | 1.25% | 1.28% | 1.31% | 1.36% | 1.37% | 1.38% | +10 bps | |
| Allowance Coverage of NPLs | 8.7x | 6.1x | n/a | 74.9x | n/a | 520.0x | 14.0x | 10.7x | -64.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.45% | 11.64% | 11.67% | 10.56% | 10.34% | 10.65% | 10.82% | 10.41% | -14 bps | |
| Total Risk-Based Capital | 11.45% | 11.64% | 11.67% | 10.56% | 10.34% | 10.65% | 10.82% | 10.41% | -14 bps | |
| Equity / Assets | 8.55% | 9.45% | 8.26% | 8.24% | 8.20% | 8.97% | 9.13% | 8.77% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.67% | 64.96% | 59.42% | 56.96% | 53.73% | 54.99% | 53.73% | 51.93% | -503 bps | |
| Liquid Assets / Assets | 0.63% | 0.65% | 0.61% | 0.45% | 0.45% | 0.47% | 0.47% | 0.46% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 116.94% | 115.93% | 113.48% | n/a | |