PENDLETON COMMUNITY BANK, INC.

FRANKLIN, WV | Medium | Est. Oct. 5, 1925, midnight | FDIC #6176 | RSSD #370020 | FDIC
Latest Report: 2025-12-31

PENDLETON COMMUNITY BANK, INC. is amn medium FDIC-insured commercial bank headquartered in FRANKLIN, WV, established in Oct. 5, 1925, midnight. As of 2025-12-31, the bank reported total assets of $814M and total deposits of $699M. Profitability stands at 1.33% ROA and 15.61% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 10.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 5.29%. FDIC Certificate #6176.

Assets

$814M

Deposits

$699M

Loans

$682M

Equity

$70M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 15.61%
Net Interest Margin (NIM) 4.46%
Yield on Assets 6.23%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.26%
Texas Ratio 5.29%
NPA Ratio 0.49%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 10.54%
Tier 1 Capital 10.54%
Total Capital Ratio 11.48%
Leverage Ratio 8.43%
Loan-to-Deposit 97.57%

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