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
Unfavorable gap of $2.0M · efficiency ratio beats 35% 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% | 1.01% | 1.45% | Beats 27% | 462 / 629 | |
| Return on Equity | 7.52% | 5.38% | 9.30% | 13.28% | Beats 35% | 406 / 629 | |
| Net Interest Margin | 3.35% | 3.03% | 3.54% | 4.05% | Beats 40% | 375 / 629 | |
| Efficiency Ratio | 73.93% | 58.35% | 67.79% | 79.08% | Beats 35% | 407 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.44% | 11.24% | 13.84% | 18.77% | Beats 5% | 597 / 629 | |
| Total Risk-Based Capital Ratio | 9.44% | 11.58% | 14.43% | 19.66% | Beats 5% | 598 / 629 | |
| Equity / Assets | 8.51% | 9.09% | 10.65% | 13.80% | Beats 17% | 523 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 65.83% | 67.24% | 80.90% | 93.48% | 24th pctl | 452 / 594 | |
| Loans / Assets | 59.60% | 53.31% | 67.71% | 78.15% | 33rd pctl | 420 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |