Grantsville, WV · Cert 9024 · Calhoun Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
24
Asset Quality
43
Profitability
74
Liquidity
86
Efficiency
71
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.
Grantsville, WV · Cert 9024 · Calhoun Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Parkersburg-Vienna, WV · 2026 SOD (annual) · 0.9% share · #8 of 9 inst. · $0.0B of $2.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.73% | 0.61% | 0.87% | 0.93% | 0.97% | 1.22% | 1.38% | +51 bps | |
| Return on Equity | 5.49% | 7.59% | 6.47% | 9.10% | 9.66% | 10.05% | 12.31% | 13.75% | +465 bps | |
| Net Interest Margin | 3.77% | 3.66% | 3.72% | 3.80% | 3.85% | 3.80% | 3.95% | 4.04% | +24 bps | |
| Efficiency Ratio | 84.12% | 79.46% | 80.76% | 73.31% | 71.84% | 71.43% | 63.30% | 60.19% | -1,312 bps | |
| Non-Interest Burden | 3.08% | 2.78% | 2.92% | 2.66% | 2.62% | 2.58% | 2.34% | 2.25% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.54% | 9.07% | 9.55% | 10.99% | 9.35% | 7.38% | 5.47% | 5.13% | -586 bps | |
| Loan Growth (YoY) | 2.21% | 2.01% | 1.68% | 0.97% | 3.10% | 6.34% | 5.22% | 7.39% | +642 bps | |
| Deposit Growth (YoY) | 1.61% | 9.36% | 9.61% | 11.07% | 9.39% | 6.93% | 4.84% | 4.51% | -656 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.50% | 0.52% | 0.48% | 0.56% | 0.68% | 0.57% | 0.58% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.02% | 0.00% | 0.08% | 0.06% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.51% | 1.52% | 1.53% | 1.49% | 1.40% | 1.37% | 1.39% | 1.33% | -16 bps | |
| Allowance Coverage of NPLs | 4.9x | 3.0x | 3.0x | 3.1x | 2.5x | 2.0x | 2.4x | 2.3x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.93% | 10.58% | 10.19% | 10.26% | 10.44% | 10.23% | 10.48% | 10.48% | +22 bps | |
| Total Risk-Based Capital | 19.96% | 20.46% | 20.58% | 20.21% | 20.41% | 10.23% | 10.48% | 10.48% | -974 bps | |
| Equity / Assets | 9.88% | 9.32% | 9.59% | 9.73% | 9.91% | 9.72% | 10.08% | 10.22% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.78% | 73.59% | 73.03% | 74.19% | 74.25% | 73.18% | 73.30% | 76.24% | +204 bps | |
| Liquid Assets / Assets | 10.05% | 12.52% | 6.76% | 5.63% | 7.57% | 6.72% | 7.28% | 4.30% | -133 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 69.71% | 69.31% | 57.74% | n/a | n/a | |
Grantsville, WV · Cert 9024 · Peer group: banks under $1B in assets (n=581-629) · Calhoun Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.38%
Rank 175 of 629
Net Interest Margin
4.04%
Rank 162 of 629
Efficiency Ratio
60.19%
Rank 181 of 629
Equity / Assets
10.22%
Rank 359 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.60% | 1.01% | 1.45% | Beats 72% | 175 / 629 | ||
| Return on Equity | 13.46% | 5.38% | 9.30% | 13.28% | Beats 76% | 149 / 629 | ||
| Net Interest Margin | 4.04% | 3.03% | 3.54% | 4.05% | Beats 74% | 162 / 629 | ||
| Efficiency Ratio | 60.19% | 58.35% | 67.79% | 79.08% | Beats 71% | 181 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.09% | 0.46% | 1.20% | Beats 45% | 323 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 347 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.48% | 11.24% | 13.84% | 18.77% | Beats 16% | 531 / 629 | ||
| Total Risk-Based Capital Ratio | 10.48% | 11.58% | 14.43% | 19.66% | Beats 14% | 542 / 629 | ||
| Equity / Assets | 10.22% | 9.09% | 10.65% | 13.80% | Beats 43% | 359 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.24% | 67.24% | 80.90% | 93.48% | 42nd pctl | 343 / 594 | ||
| Loans / Assets | 67.79% | 53.31% | 67.71% | 78.15% | 50th pctl | 314 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||