Logan Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Logan Bank & Trust Company is an FDIC-insured commercial bank headquartered in Logan, WV, established in 1964 (FDIC certificate 19285), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $359.2M, up 2.1% from Q2 2025, the 18th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19285
- Headquarters
- Logan, WV
- Established
- 1964
- Total assets, Q2 2026
- $359.2M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 11.73%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 051501024
- Latest call report
- Q2 2026, FFIEC 051 · Logan Bank & Trust Company call report
- Holding company
- LOGAN COUNTY BANCSHARES, INC.
- Asset rank in state
- 18th of 40 in West Virginia
Logan Bank & Trust Company is one of the more profitable banks of its size. It reported $359 million in assets at June 30, 2026, up 2.1% from a year earlier. It earns about $3.08 a year on every $100 of assets, 2.4 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $2.8 million, 136% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 33% of Tier 1 capital, down from 48% a year earlier. Its margin is thin by comparison: it keeps 3.38 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Logan Bank & Trust Company reported a return on assets of 3.08%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 2.48%. The figures come from its call report filed with the FFIEC.
Logan Bank & Trust Company ranks as the 18th largest of the 40 banks based in West Virginia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $359.2M, loans rose 1.3% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 60.9% of total loans, followed by commercial and industrial loans at 17.2%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in WV; its Logan 3 offices book 56% of its branch deposits. On its Q2 2026 call report, Logan Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 43 Washington Ave, Logan, WV 25601
- County
- Logan
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 24, 1964
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $326.4M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $360.3M
- Average total loans
- $180.7M
- Average interest-bearing deposits
- $328.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 24, 1964
- FDIC Cert
- 19285
- Fed RSSD
- 164331
- SEC CIK
- 760327 → filed by LOGAN COUNTY BANCSHARES, INC.
- Website
- www.lbandt.com →
- Parent Holding Company
- LOGAN COUNTY BANCSHARES, INC. (RSSD 1133259)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Logan Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Logan Bank & Trust Company's total assets ran between $334.3M (Q3 2023) and $361.5M (Q1 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
$359.2M total assets against $351.7M; $327.4M total liabilities against $327.8M.
$180.2M net loans and leases against $174.1M; $326.4M total deposits against $327.0M.
$152.4M securities against $146.9M; $10.4M cash and balances due against $16.2M.
$3.8M total interest income against $3.7M; $944K total interest expense against $931K.
$2.9M net interest income against $2.8M.
$2.2M total noninterest income against $624K; $2.0M total noninterest expense against $1.9M.
$28K provision for credit losses against $102K.
$2.8M net income against $1.2M.
3.08% return on assets against 1.33%; 3.38% net interest margin against 3.28%.
11.73% tier 1 leverage ratio against 10.62%.
Inside the full Logan Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLogan Bank & Trust Company rankings
Its closest position to the top of a national ranking is 66 of 3,611, for ROA; its furthest is 2,054 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q4 2024) to 3.08% (Q2 2026) and its net interest margin ran from 3.10% (Q1 2025) to 3.38% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 3.08% | 0.45% | 2.48% | 3.38% |
| Q1 2026 | 11.06% | 1.39% | 0.40% | 2.30% | 3.24% |
| Q4 2025 | 10.84% | 1.20% | 0.34% | 1.99% | 3.27% |
| Q3 2025 | 10.84% | 1.34% | 0.26% | 1.55% | 3.37% |
| Q2 2025 | 10.62% | 1.33% | 0.29% | 5.64% | 3.28% |
| Q1 2025 | 10.43% | 1.34% | 0.30% | 2.61% | 3.10% |
| Q4 2024 | 10.28% | 1.19% | 0.19% | 2.04% | 3.15% |
| Q3 2024 | 10.24% | 1.33% | 0.16% | 1.59% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Logan Bank & Trust Company (main office) | Logan , WV | 25601 | $134.7M |
| Chapmanville Branch | Chapmanville , WV | 25508 | $85.7M |
| Fountain Place Mall Branch | Logan , WV | 25601 | $47.1M |
| Man Branch | Man , WV | 25635 | $39.3M |
| Harts Branch | Harts , WV | 25524 | $19.6M |
| Mini Branch | Logan , WV | 25601 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 7, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 5, 1996 | Structure Change | Acquired Bank of Chapmanville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in WV, rank 29 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 209 applications, 160 loans originated, $21.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Logan Bank & Trust Company
What are Logan Bank & Trust Company's total assets?
As of the Q2 2026 filing, Logan Bank & Trust Company reported total assets of $359.2 million in its FFIEC call report.
Where is Logan Bank & Trust Company headquartered?
It is headquartered in Logan, WV, United States.
When was Logan Bank & Trust Company founded?
It was established in 1964, per the FDIC institution directory.
Is Logan Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19285). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Logan Bank & Trust Company?
Logan Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Logan Bank & Trust Company operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Logan Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.48% 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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