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Letter portraitLegal landscapeQuarterYTD

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 $2.2MQ3 2024Q2 2026
Deposit mix
66%Interest-bearing $50.7M34%Noninterest $26.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.78%, up 25 bps year over year; NIM at 3.54%.
  • 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.

Return on Assets (quarter, annualized)

0.78%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+53 bps YoY

Efficiency Ratio (quarter, annualized)

70.71%-1,032 bps YoY

Tier 1 Leverage Ratio

9.44%-34 bps YoY

NIM

3.80%Q2 ’244.15%Q2 ’254.50%Q2 ’26+16%+18%

Non-interest income vs. expense

2.61%Q2 ’242.71%Q2 ’252.79%Q2 ’26+7%+0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.40%0.23%0.53%0.68%0.75%0.53%0.78%+25 bps
Return on Equity2.00%4.61%2.73%6.03%7.55%8.33%6.12%9.13%+310 bps
Net Interest Margin2.54%2.59%2.68%3.01%3.19%3.34%3.28%3.54%+53 bps
Efficiency Ratio93.66%86.91%90.60%81.03%74.32%77.60%77.55%70.71%-1,032 bps
Non-Interest Burden2.36%2.17%2.40%2.38%2.27%2.50%2.46%2.38%+1 bps
Growth
Asset Growth (YoY)1.51%-0.42%1.18%4.28%3.84%5.84%7.34%10.21%+593 bps
Loan Growth (YoY)-0.62%5.47%8.11%17.37%18.08%15.47%17.08%15.89%-148 bps
Deposit Growth (YoY)-0.09%-0.88%0.51%3.78%3.78%5.49%7.50%10.82%+704 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.27%0.26%0.52%0.50%0.00%0.00%0.00%-52 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.01%0.02%0.01%0.00%0.00%-1 bps
Allowance / Loans1.08%1.02%1.02%0.94%0.92%0.91%0.93%0.90%-4 bps
Allowance Coverage of NPLs2.1x3.8x4.0x1.8x1.8xn/an/an/an/a
Capital
Tier 1 Leverage Ratio10.04%9.81%9.92%9.78%9.75%9.64%9.65%9.44%-34 bps
Total Risk-Based Capital10.04%9.81%9.92%9.78%9.75%9.64%9.65%9.44%-34 bps
Equity / Assets8.96%8.39%8.61%8.85%9.10%8.86%8.61%8.51%-34 bps
Liquidity & Funding
Loans / Deposits55.89%58.92%57.83%62.95%63.59%64.50%62.98%65.83%+288 bps
Liquid Assets / Assets11.01%9.45%9.00%7.25%6.83%7.13%7.23%7.09%-16 bps
CRE / Total Capitaln/an/an/an/a144.10%168.13%173.82%n/an/a