Pendleton Community Bank, Inc.: 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: 73.20 percentage points higher than in Q1 2026, at 167.92%. Pendleton Community Bank, Inc. ranks 19th of 41 West Virginia banks on return on assets, in the upper half at 1.22% (Q2 2026). At 1.22%, Pendleton Community Bank, Inc.'s return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.58% |
| Tier 1 risk-based capital ratio | 10.58% |
| Total risk-based capital ratio | 11.48% |
| Tier 1 leverage ratio | 8.67% |
| Equity capital to assets | 8.59% |
| Tangible equity to tangible assets | 7.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 8.35% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 167.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 14.21% |
| Net interest margin | 4.48% |
| Efficiency ratio | 61.36% |
| Yield on earning assets | 6.05% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.04% |
| Core deposits to total deposits | 93.74% |
| Brokered deposits to total deposits | 0.55% |
| Deposits to assets | 84.57% |
| Securities to assets | 9.76% |
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 | 9.80% | 9.80% | 10.54% | 7.52% | 0.86% |
| Q4 2023 | 9.87% | 9.87% | 10.67% | 7.42% | 0.75% |
| Q1 2024 | 10.12% | 10.12% | 10.92% | 7.81% | 0.62% |
| Q2 2024 | 10.28% | 10.28% | 11.11% | 7.76% | 0.68% |
| Q3 2024 | 10.36% | 10.36% | 11.19% | 7.90% | 0.80% |
| Q4 2024 | 10.45% | 10.45% | 11.29% | 7.96% | 0.87% |
| Q1 2025 | 10.75% | 10.75% | 11.62% | 8.27% | 0.79% |
| Q2 2025 | 10.63% | 10.63% | 11.54% | 8.26% | 0.90% |
| Q3 2025 | 10.87% | 10.87% | 11.83% | 8.38% | 0.97% |
| Q4 2025 | 10.54% | 10.54% | 11.48% | 8.43% | 1.31% |
| Q1 2026 | 10.66% | 10.66% | 11.54% | 8.62% | 1.23% |
| Q2 2026 | 10.58% | 10.58% | 11.48% | 8.67% | 1.22% |
Pendleton Community Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pendleton Community Bank, Inc., 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 Pendleton Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6176) · FFIEC NIC profile (RSSD 370020)