Calhoun County Bank, Inc.
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
$211.7MAssets
$143.5MLoans
$188.3MDeposits
$21.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 76% of banks under $1B in assets (rank 149 of 629).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets (rank 542 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 71% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |