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Pleasants County Bank, The

Saint Marys, WV · Cert 847 · Pleasants Cnty Bankshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

9

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pleasants County Bank, The

Saint Marys, WV · Cert 847 · Pleasants Cnty Bankshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$84.7MAssets
$50.5MLoans
$76.7MDeposits
$7.2MEquity
Loan mix
87%RE $40.1M9%C&I $4.0M5%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $50.7M34%Noninterest $26.0MQ2 2025Q2 2026

NIM

3.73%Q2 ’243.99%Q2 ’254.30%Q2 ’26+11%+19%

Non-interest income vs. expense

2.63%Q2 ’242.69%Q2 ’252.76%Q2 ’26+4%+1%

Executive Summary

  • Earnings: ROA of 0.66%, up 28 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (-52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.44%, down 34 bps from a year ago.
  • Funding: loans stand at 65.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+53 bps YoY

Efficiency Ratio (YTD, annualized)

73.93%-1,157 bps YoY

Tier 1 Leverage Ratio

9.44%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.48%0.55%0.53%0.66%+28 bps
Return on Equity4.42%5.50%6.26%6.12%7.63%+321 bps
Net Interest Margin2.82%2.91%2.99%3.28%3.35%+53 bps
Efficiency Ratio85.50%81.41%80.35%77.55%73.93%-1,157 bps
Non-Interest Burden2.36%2.31%2.33%2.46%2.38%+2 bps
Growth
Asset Growth (YoY)4.28%3.84%5.84%7.34%10.21%+593 bps
Loan Growth (YoY)17.37%18.08%15.47%17.08%15.89%-148 bps
Deposit Growth (YoY)3.78%3.78%5.49%7.50%10.82%+704 bps
Asset Quality
Nonperforming Loans / Loans0.52%0.50%0.00%0.00%0.00%-52 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans0.94%0.92%0.91%0.93%0.90%-4 bps
Allowance Coverage of NPLs1.8x1.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio9.78%9.75%9.64%9.65%9.44%-34 bps
Total Risk-Based Capital9.78%9.75%9.64%9.65%9.44%-34 bps
Equity / Assets8.85%9.10%8.86%8.61%8.51%-34 bps
Liquidity & Funding
Loans / Deposits62.95%63.59%64.50%62.98%65.83%+288 bps
Liquid Assets / Assets7.25%6.83%7.13%7.23%7.09%-16 bps
CRE / Total Capitaln/a144.10%168.13%173.82%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pleasants County Bank, The

Saint Marys, WV · Cert 847 · Peer group: banks under $1B in assets (n=581-629) · Pleasants Cnty Bankshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$84.7MAssets
$50.5MLoans
$76.7MDeposits
$7.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 598 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.64%

Rank 462 of 629

Net Interest Margin

3.35%

Rank 375 of 629

Efficiency Ratio

73.93%

Rank 407 of 629

Equity / Assets

8.51%

Rank 523 of 629

Non-interest income vs. expense

$0.3M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 35% of banks under $1B in assets
Bank 73.93%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.60%1.01%1.45%Beats 27%462 / 629
Return on Equity7.52%5.38%9.30%13.28%Beats 35%406 / 629
Net Interest Margin3.35%3.03%3.54%4.05%Beats 40%375 / 629
Efficiency Ratio73.93%58.35%67.79%79.08%Beats 35%407 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio9.44%11.24%13.84%18.77%Beats 5%597 / 629
Total Risk-Based Capital Ratio9.44%11.58%14.43%19.66%Beats 5%598 / 629
Equity / Assets8.51%9.09%10.65%13.80%Beats 17%523 / 629
Liquidity & Funding
Loans / Deposits65.83%67.24%80.90%93.48%24th pctl452 / 594
Loans / Assets59.60%53.31%67.71%78.15%33rd pctl420 / 629
Brokered Deposits / Depositsn/aNot reported for this institution