The First National Bank of Peterstown: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 2.12 percentage points higher than in Q1 2026, at 15.35%. On loan-to-deposit ratio, The First National Bank of Peterstown is 1st from the bottom among 41 West Virginia banks, 49.58% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The First National Bank of Peterstown sits 18.34 points lower, at 49.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $36.6M |
| Net loans and leases | $36.0M |
| Loans held for sale | $0 |
| Loans to total assets | 43.10% |
| Loan-to-deposit ratio | 49.58% |
| Net loans to equity capital | 3.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.37% |
| Consumer | 6.40% |
| Credit cards | 0.00% |
| Farm | 6.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.77% |
| Construction concentration (Tier 1 capital + allowance) | 15.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.93% |
| Interest income on loans | $546K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $42.3M | $73.3M | 16.63% | 6.12% | 7.22% |
| Q4 2023 | $41.4M | $75.2M | 15.79% | 6.55% | 6.76% |
| Q1 2024 | $39.6M | $77.0M | 14.86% | 6.55% | 6.64% |
| Q2 2024 | $38.3M | $77.0M | 14.70% | 6.29% | 6.68% |
| Q3 2024 | $38.6M | $76.2M | 14.27% | 5.86% | 6.41% |
| Q4 2024 | $38.5M | $74.1M | 13.52% | 6.06% | 6.03% |
| Q1 2025 | $37.8M | $76.6M | 11.26% | 6.08% | 5.89% |
| Q2 2025 | $37.9M | $76.2M | 11.56% | 5.99% | 6.46% |
| Q3 2025 | $37.7M | $74.6M | 13.37% | 5.79% | 6.44% |
| Q4 2025 | $38.4M | $73.5M | 12.87% | 6.26% | 6.21% |
| Q1 2026 | $37.4M | $75.4M | 13.05% | 6.18% | 6.11% |
| Q2 2026 | $36.6M | $73.8M | 13.23% | 6.37% | 6.40% |
The First National Bank of Peterstown loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Peterstown, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Peterstown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6787) · FFIEC NIC profile (RSSD 719030)