Pleasants County Bank, The
Saint Marys, WV · Cert 847 · Peer group: banks under $1B in assets (n=573-620) · 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 573).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 591 of 620).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.64%
Rank 452 of 620
Net Interest Margin
3.35%
Rank 365 of 620
Efficiency Ratio
73.93%
Rank 397 of 620
Equity / Assets
8.51%
Rank 513 of 620
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 36% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.60% | 1.00% | 1.45% | Beats 27% | 452 / 620 | |
| Return on Equity | 7.52% | 5.30% | 9.30% | 13.29% | Beats 36% | 396 / 620 | |
| Net Interest Margin | 3.35% | 3.02% | 3.53% | 4.04% | Beats 41% | 365 / 620 | |
| Efficiency Ratio | 73.93% | 58.35% | 68.08% | 79.37% | Beats 36% | 397 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 9.44% | 11.27% | 13.87% | 18.78% | Beats 5% | 590 / 620 | |
| Total Risk-Based Capital Ratio | 9.44% | 11.69% | 14.57% | 19.67% | Beats 5% | 591 / 620 | |
| Equity / Assets | 8.51% | 9.03% | 10.60% | 13.73% | Beats 17% | 513 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 65.83% | 65.08% | 79.69% | 92.47% | 26th pctl | 435 / 585 | |
| Loans / Assets | 59.60% | 51.85% | 67.17% | 77.86% | 35th pctl | 401 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |