Hancock County Savings Bank, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Hancock County Savings Bank, F.S.B. is an FDIC-insured savings institution headquartered in Chester, WV, established in 1899 (FDIC certificate 29035), and it is supervised by the OCC. At Q2 2026 it reported total assets of $508.0M, up 3.8% from Q2 2025, the 13th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 35.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29035
- Headquarters
- Chester, WV
- Established
- 1899
- Total assets, Q2 2026
- $508.0M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 35.62%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 243474273
- Latest call report
- Q2 2026, FFIEC 051 · Hancock County Savings Bank, F.S.B. call report
- Asset rank in state
- 13th of 40 in West Virginia
Hancock County Savings Bank, F.S.B. carries far more capital than most banks of its size. It reported $508 million in assets at June 30, 2026, up 3.8% from a year earlier. It holds common equity equal to 35.62% of its risk-weighted assets, 2.4 times the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 13% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.1 million, 33% above the same quarter a year earlier. Profitability lags: it returns 4.9% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Hancock County Savings Bank, F.S.B. reported a CET1 capital ratio of 35.62%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 3.35%. The figures come from its call report filed with the FFIEC.
Hancock County Savings Bank, F.S.B. ranks as the 13th largest of the 40 banks based in West Virginia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $508.0M, loans rose 0.7% and deposits rose 2.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 93.1% of total loans, followed by construction and land development loans at 1.9%. The FDIC Summary of Deposits lists 3 offices for it, in Weirton, WV, Chester, WV and New Cumberland, WV; its Weirton office books 50% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hancock County Savings Bank, F.S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 351 Carolina Ave, Chester, WV 26034
- County
- Hancock
- Metro Area
- Weirton-Steubenville, WV-OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $401.2M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $54K
- Average total assets
- $503.3M
- Average total loans
- $435.8M
- Average interest-bearing deposits
- $355.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29035
- Fed RSSD
- 888271
- Website
- www.hcsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Hancock County Savings Bank, F.S.B.'s total assets moved between a low of $460.5M (Q4 2023) and a high of $508.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$508.0M total assets against $489.4M; $415.6M total liabilities against $401.4M.
$429.1M net loans and leases against $422.0M; $401.2M total deposits against $384.9M.
$27.0M securities against $24.4M; $40.1M cash and balances due against $33.0M.
$5.8M total interest income against $5.6M; $1.3M total interest expense against $1.5M.
$4.5M net interest income against $4.1M.
$465K total noninterest income against $440K; $3.3M total noninterest expense against $3.3M.
$148K provision for credit losses against $104K.
$1.1M net income against $839K.
0.89% return on assets against 0.68%; 3.60% net interest margin against 3.32%.
35.62% CET1 capital ratio against 34.69%; 18.37% tier 1 leverage ratio against 17.79%.
Inside the full Hancock County Savings Bank, F.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Hancock County Savings Bank, F.S.B. rankings
Its closest position to the top of a national ranking is 39 of 2,134, for CET1 ratio; its furthest is 2,738 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q4 2024) to 1.05% (Q1 2026) and its net interest margin ran from 3.08% (Q3 2024) to 3.60% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 35.62% | 0.89% | 0.63% | 3.35% | 3.60% |
| Q1 2026 | 35.82% | 1.05% | 0.76% | 4.33% | 3.55% |
| Q4 2025 | 35.29% | 0.79% | 0.79% | 3.93% | 3.52% |
| Q3 2025 | 34.97% | 0.90% | 0.68% | 3.55% | 3.46% |
| Q2 2025 | 34.69% | 0.68% | 0.63% | 3.30% | 3.32% |
| Q1 2025 | 34.69% | 0.76% | 0.52% | 2.67% | 3.12% |
| Q4 2024 | 34.69% | 0.55% | 0.38% | 1.85% | 3.13% |
| Q3 2024 | 34.67% | 0.68% | 0.41% | 1.93% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 375 Three Springs Drive Branch | Weirton , WV | 26062 | $202.0M |
| Hancock County Savings Bank, F.S.B. (main office) | Chester , WV | 26034 | $158.1M |
| Ridge Ave Branch | New Cumberland , WV | 26047 | $41.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in WV, rank 22 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hancock County Savings Bank, F.S.B.
What are Hancock County Savings Bank, F.S.B.'s total assets?
As of the Q2 2026 filing, Hancock County Savings Bank, F.S.B. reported total assets of $508.0 million in its FFIEC call report.
Where is Hancock County Savings Bank, F.S.B. headquartered?
It is headquartered in Chester, WV, United States.
When was Hancock County Savings Bank, F.S.B. founded?
It was established in 1899, per the FDIC institution directory.
Is Hancock County Savings Bank, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hancock County Savings Bank, F.S.B.?
Hancock County Savings Bank, F.S.B.'s primary federal regulator is the OCC.
What is Hancock County Savings Bank, F.S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 35.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hancock County Savings Bank, F.S.B. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hancock County Savings Bank, F.S.B.'s Texas Ratio?
Its Texas Ratio is 3.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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