BanksPENDLETON COMMUNITY BANK, INC.

PENDLETON COMMUNITY BANK, INC.

FRANKLIN, WVMediumEst. Oct. 5, 1925, midnightFDIC #6176RSSD #370020FDIC
Latest · 2025-12-31

PENDLETON COMMUNITY BANK, INC. is an 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%. CET1 capital ratio: 10.54%, well above regulatory minimums. NPL ratio: 0.59% · Texas Ratio: 5.29%. Operates 14 domestic branches.

Assets
$814M
Deposits
$699M
Loans
$682M
Equity
$70M

Profitability

Return on Assets (ROA)1.33%
Return on Equity (ROE)15.61%
Net Interest Margin4.46%
Yield on Assets6.23%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.59%
Net Charge-Off Ratio0.26%
Texas Ratio5.29%
NPA Ratio0.49%
ACL / Loans0.90%

Capital & Liquidity

CET1 Ratio10.54%
Tier 1 Capital10.54%
Total Capital Ratio11.48%
Leverage Ratio8.43%
Loan-to-Deposit97.57%

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