HANCOCK COUNTY SAVINGS BANK, F.S.B.

CHESTER, WV | Small | Est. Jan. 1, 1899, midnight | FDIC #29035 | RSSD #888271 | OCC
Latest Report: 2025-12-31

HANCOCK COUNTY SAVINGS BANK, F.S.B. is asn small FDIC-insured commercial bank headquartered in CHESTER, WV, established in Jan. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $482M and total deposits of $378M. Profitability stands at 0.79% ROA and 4.23% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 35.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.79% and a Texas Ratio of 3.93%. FDIC Certificate #29035.

Assets

$482M

Deposits

$378M

Loans

$432M

Equity

$90M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 4.23%
Net Interest Margin (NIM) 3.79%
Yield on Assets 4.97%
Cost of Funds 1.34%

Asset Quality

NPL Ratio 0.79%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.93%
NPA Ratio 0.77%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 35.29%
Tier 1 Capital 35.29%
Total Capital Ratio 36.55%
Leverage Ratio 18.69%
Loan-to-Deposit 114.27%

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