Hancock County Savings Bank, F.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hancock County Savings Bank, F.S.B. of Chester, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.89% | 1.34% | -0.45% | 27th below |
| ROAE | 4.86% | 13.32% | -8.46% | 14th bottom |
| Net Interest Margin | 3.60% | 3.93% | -0.33% | 32nd below |
| Efficiency Ratio | 66.82% | 61.14% | +5.68% | 35th below |
| PPNR / Avg Assets | 1.30% | 1.68% | -0.38% | 34th below |
| Yield on Earning Assets | 4.68% | 5.67% | -0.99% | 13th bottom |
| Cost of Funds | 1.32% | 1.88% | -0.56% | 79th top |
| Net Interest Spread | 3.23% | 3.32% | -0.09% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.94% | -0.11% | 32nd below |
| NPA / Total Assets | 0.81% | 0.70% | +0.11% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) | 135.27% | 1539.43% | -1404.16% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.22% | 7.33% | -3.11% | 45th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 250.00% | 1396.35% | -1146.35% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 35.62% | 19.49% | +16.13% | 95th top |
| Tier 1 Ratio | 35.62% | 19.52% | +16.10% | 95th top |
| Total Capital Ratio | 36.88% | 20.61% | +16.27% | 95th top |
| Leverage Ratio | 18.37% | 12.14% | +6.23% | 95th top |
| Equity / Assets | 18.19% | 11.37% | +6.82% | 95th top |
| TCE / Tangible Assets | 18.18% | 11.09% | +7.09% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.15% | 80.62% | +27.53% | 5th bottom |
| Core Deposit Ratio | 91.25% | 86.86% | +4.39% | 62nd above |
| Wholesale Funding Ratio | 2.56% | 5.04% | -2.48% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.81% | 6.85% | -3.04% | 46th below |
| Loan Growth (Y/Y) | 1.74% | 7.91% | -6.17% | 30th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.24% | 6.29% | -2.05% | 52nd above |
See Hancock County Savings Bank, F.S.B.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hancock County Savings Bank, F.S.B., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hancock County Savings Bank, F.S.B. profile, how to read a UBPR, or how this data updates.