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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

$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