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 | |