Hancock County Savings Bank, F.S.B.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.64 percentage points higher than in Q1 2026, at 135.27%. Hancock County Savings Bank, F.S.B. ranks 30th of 41 West Virginia banks on return on assets, in the lower half at 0.89% (Q2 2026). Hancock County Savings Bank, F.S.B. reported 0.89% on return on assets for Q2 2026, 0.36 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 35.62% |
| Tier 1 risk-based capital ratio | 35.62% |
| Total risk-based capital ratio | 36.88% |
| Tier 1 leverage ratio | 18.37% |
| Equity capital to assets | 18.19% |
| Tangible equity to tangible assets | 18.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.83% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 4.22% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 135.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 4.86% |
| Net interest margin | 3.60% |
| Efficiency ratio | 66.82% |
| Yield on earning assets | 4.68% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.15% |
| Core deposits to total deposits | 91.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.97% |
| Securities to assets | 5.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 34.94% | 34.94% | 36.19% | 18.04% | 1.02% |
| Q4 2023 | 35.02% | 35.02% | 36.27% | 18.04% | 0.35% |
| Q1 2024 | 34.98% | 34.98% | 36.23% | 18.31% | 0.72% |
| Q2 2024 | 34.89% | 34.89% | 36.15% | 18.24% | 0.70% |
| Q3 2024 | 34.67% | 34.67% | 35.92% | 18.16% | 0.68% |
| Q4 2024 | 34.69% | 34.69% | 35.94% | 18.04% | 0.55% |
| Q1 2025 | 34.69% | 34.69% | 35.95% | 17.94% | 0.76% |
| Q2 2025 | 34.69% | 34.69% | 35.94% | 17.79% | 0.68% |
| Q3 2025 | 34.97% | 34.97% | 36.22% | 18.30% | 0.90% |
| Q4 2025 | 35.29% | 35.29% | 36.55% | 18.69% | 0.79% |
| Q1 2026 | 35.82% | 35.82% | 37.08% | 18.69% | 1.05% |
| Q2 2026 | 35.62% | 35.62% | 36.88% | 18.37% | 0.89% |
Hancock County Savings Bank, F.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hancock County Savings Bank, F.S.B., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Hancock County Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29035) · FFIEC NIC profile (RSSD 888271)