PUTNAM COUNTY BANK

HURRICANE, WV | Medium | Est. Oct. 11, 1901, midnight | FDIC #15243 | RSSD #417626 | FED
Latest Report: 2025-12-31

PUTNAM COUNTY BANK is amn medium FDIC-insured commercial bank headquartered in HURRICANE, WV, established in Oct. 11, 1901, midnight. As of 2025-12-31, the bank reported total assets of $651M and total deposits of $565M. Profitability stands at 0.84% ROA and 6.86% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 12.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.28%. FDIC Certificate #15243.

Assets

$651M

Deposits

$565M

Loans

$454M

Equity

$81M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 6.86%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.28%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.05%
Texas Ratio 0.28%
NPA Ratio 0.04%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 12.47%
Tier 1 Capital 12.47%
Total Capital Ratio 13.10%
Leverage Ratio 12.51%
Loan-to-Deposit 80.39%

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