Pendleton Community Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Pendleton Community Bank, Inc. is an FDIC-insured commercial bank headquartered in Franklin, WV, established in 1925 (FDIC certificate 6176), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $849.7M, up 7.5% from Q2 2025, the 6th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 10.58% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6176
- Headquarters
- Franklin, WV
- Established
- 1925
- Total assets, Q2 2026
- $849.7M
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 10.58%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 051504254
- Holding company
- ALLEGHENY BANCSHARES, INC.
- Asset rank in state
- 6th of 40 in West Virginia
Pendleton Community Bank, Inc. operates with a thinner capital cushion than most banks of its size. The Franklin, West Virginia bank had $850 million in assets at June 30, 2026, up 7.5% from a year earlier. It holds common equity equal to 10.58% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it keeps 4.48 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $2.6 million, 43% above the same quarter a year earlier. Over the same year, loans grew 10.3% and deposits grew 4.4%. Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Pendleton Community Bank, Inc. reported a CET1 capital ratio of 10.58%, a return on assets of 1.22%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 8.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pendleton Community Bank, Inc. is the 6th largest of the 40 banks headquartered in West Virginia. Between Q1 2026 and Q2 2026, its total assets rose 3.0% to $849.7M, loans rose 3.0% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.7% of total loans, ahead of auto loans at 17.8%. The FDIC Summary of Deposits lists 15 offices for it, in 12 cities across 2 states; its Franklin office books 24% of its branch deposits. On its Q2 2026 call report, Pendleton Community Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 128 N Main St, Franklin, WV 26807
- County
- Pendleton
- 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
- —
- Call Report form
- FFIEC 051
- Established
- October 5, 1925
- Former names
- Pendleton County Bank (1937-2005)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 149
- Domestic deposits
- $718.6M
- Allowance for credit losses
- $6.1M
- Net charge-offs (YTD)
- $767K
- Average total assets
- $839.0M
- Average total loans
- $694.2M
- Average interest-bearing deposits
- $544.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6176
- Fed RSSD
- 370020
- SEC CIK
- 1213662 → filed by ALLEGHENY BANCSHARES, INC.
- Website
- https://yourbank.bank →
- Parent Holding Company
- ALLEGHENY BANCSHARES, INC. (RSSD 3137082)
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
From Q3 2023 to Q2 2026, Pendleton Community Bank, Inc.'s total assets ranged from $734.3M (Q4 2023) to $849.7M (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
$849.7M total assets against $790.1M; $776.8M total liabilities against $725.0M.
$705.6M net loans and leases against $639.9M; $718.6M total deposits against $688.2M.
$83.0M securities against $81.9M; $13.9M cash and balances due against $24.2M.
$11.9M total interest income against $11.0M; $3.1M total interest expense against $3.4M.
$8.8M net interest income against $7.6M.
$1.3M total noninterest income against $1.2M; $6.3M total noninterest expense against $5.8M.
$592K provision for credit losses against $860K.
$2.6M net income against $1.8M.
1.22% return on assets against 0.90%; 4.48% net interest margin against 4.07%.
10.58% CET1 capital ratio against 10.63%; 8.67% tier 1 leverage ratio against 8.26%.
Inside the full Pendleton Community Bank, Inc. 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pendleton Community Bank, Inc. rankings
Its closest position to the top of a national ranking is 790 of 3,640, for Texas Ratio; its furthest is 2,036 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q1 2025) to 1.31% (Q4 2025) and its net interest margin ran from 3.77% (Q3 2024) to 4.48% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.58% | 1.22% | 0.85% | 8.35% | 4.48% |
| Q1 2026 | 10.66% | 1.23% | 0.63% | 6.12% | 4.31% |
| Q4 2025 | 10.54% | 1.31% | 0.65% | 6.33% | 4.29% |
| Q3 2025 | 10.87% | 0.97% | 0.60% | 5.73% | 4.25% |
| Q2 2025 | 10.63% | 0.90% | 0.64% | 6.70% | 4.07% |
| Q1 2025 | 10.75% | 0.79% | 0.63% | 6.59% | 3.89% |
| Q4 2024 | 10.45% | 0.87% | 0.80% | 8.33% | 3.80% |
| Q3 2024 | 10.36% | 0.80% | 0.20% | 2.05% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Pendleton Community Bank, Inc. (main office) | Franklin , WV | 26807 | $175.3M |
| Harrisonburg Downtown Branch | Harrisonburg , VA | 22801 | $78.7M |
| Marlinton Branch | Marlinton , WV | 24954 | $76.4M |
| Harrisonburg Branch | Harrisonburg , VA | 22802 | $63.7M |
| Beckley Branch | Beckley , WV | 25801 | $63.6M |
| Moorefield Branch | Moorefield , WV | 26836 | $54.8M |
| Petersburg Branch | Petersburg , WV | 26847 | $44.8M |
| Mount Hope Branch | Mount Hope , WV | 25880 | $37.5M |
| Oak Hill Branch | Oak Hill , WV | 25901 | $36.1M |
| Bridgewater Branch | Bridgewater , VA | 22812 | $32.6M |
| South Main | Harrisonburg , VA | 22801 | $21.3M |
| Staunton Frontier Drive Branch | Staunton , VA | 24401 | $18.1M |
| Wardensville Branch | Wardensville , WV | 26851 | $10.7M |
| N Augusta Branch | Staunton , VA | 24401 | $3.3M |
| Summersville Branch | Summersville , WV | 26651 | $1.6M |
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 1, 2019 | M&A | Acquired Bank of Mount Hope, Inc. merger for the acquired bank | SEC |
| October 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2019 | Structure Change | Acquired Bank of Mount Hope, Inc. 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in WV, rank 18 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 185 applications, 158 loans originated, $33.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $1.5M approved, $218K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Pendleton Community Bank, Inc.
What are Pendleton Community Bank, Inc.'s total assets?
As of the Q2 2026 filing, Pendleton Community Bank, Inc. reported total assets of $849.7 million in its FFIEC call report.
Where is Pendleton Community Bank, Inc. headquartered?
It is headquartered in Franklin, WV, United States.
When was Pendleton Community Bank, Inc. founded?
It was established in 1925, per the FDIC institution directory.
Is Pendleton Community Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pendleton Community Bank, Inc.?
Pendleton Community Bank, Inc.'s primary federal regulator is the FDIC.
What is Pendleton Community Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Pendleton Community Bank, Inc. operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pendleton Community Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 8.35% 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.
What was Pendleton Community Bank, Inc. previously called?
The charter now named Pendleton Community Bank, Inc. has also operated as Pendleton County Bank (1937-2005), per FDIC structure-change records.
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