The Pleasants County Bank
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Data as of · sourced from FFIEC call reports. How we update
The Pleasants County Bank is an FDIC-insured commercial bank headquartered in Saint Marys, WV, established in 1896 (FDIC certificate 847), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $84.7M, up 10.2% from Q2 2025, the 38th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 847
- Headquarters
- Saint Marys, WV
- Established
- 1896
- Total assets, Q2 2026
- $84.7M
- Assets vs Q2 2025
- +10.2%
- Tier 1 leverage ratio, Q2 2026
- 9.44%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 051501765
- Holding company
- PLEASANTS COUNTY BANKSHARES, INC.
- Asset rank in state
- 38th of 40 in West Virginia
The Pleasants County Bank leans heavily on commercial real estate. The Saint Marys, West Virginia bank had $85 million in assets at June 30, 2026, up 10.2% from a year earlier. It holds commercial real estate loans worth 1.7 times its capital, 6.6 times the median of 26% for the 583 banks with less than $100 million in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Earnings jumped: net income for the quarter was $163,000, 61% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.52%. Where it has less room is capital: it funds 9.44% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, The Pleasants County Bank reported a return on assets of 0.79%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, The Pleasants County Bank is the 38th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.1% to $84.7M, loans rose 7.9% and deposits rose 3.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 56.4% of total loans, followed by non-owner-occupied commercial real estate loans at 23.9%. Its 2 offices in the FDIC Summary of Deposits are in Saint Marys, WV and Belmont, WV; its Saint Marys office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Pleasants County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 215 Washington St, Saint Marys, WV 26170
- County
- Pleasants
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 21, 1896
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $76.7M
- Allowance for credit losses
- $455K
- Net charge-offs (YTD)
- $0
- Average total assets
- $82.6M
- Average total loans
- $48.2M
- Average interest-bearing deposits
- $50.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 847
- Fed RSSD
- 8631
- Website
- www.pcbsm.com →
- Parent Holding Company
- PLEASANTS COUNTY BANKSHARES, INC. (RSSD 2728447)
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, The Pleasants County Bank 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, The Pleasants County Bank's total assets ran between $73.7M (Q2 2024) and $84.7M (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
$84.7M total assets against $76.9M; $77.5M total liabilities against $70.1M.
$50.0M net loans and leases against $43.2M; $76.7M total deposits against $69.2M.
$18.1M securities against $16.3M; $10.1M cash and balances due against $10.8M.
$930K total interest income against $797K; $199K total interest expense against $219K.
$731K net interest income against $578K.
$85K total noninterest income against $65K; $577K total noninterest expense against $521K.
$19K provision for credit losses against $3K.
$163K net income against $101K.
0.79% return on assets against 0.53%; 3.84% net interest margin against 3.31%.
9.44% tier 1 leverage ratio against 9.78%.
Inside the full The Pleasants County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.17% (Q3 2024) to 0.79% (Q2 2026) and its net interest margin ran from 2.79% (Q3 2024) to 3.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.44% | 0.79% | 0.00% | 0.00% | 3.84% |
| Q1 2026 | 9.65% | 0.54% | 0.00% | 0.00% | 3.60% |
| Q4 2025 | 9.64% | 0.75% | 0.00% | 0.00% | 3.66% |
| Q3 2025 | 9.75% | 0.67% | 0.50% | 2.98% | 3.50% |
| Q2 2025 | 9.78% | 0.53% | 0.52% | 3.16% | 3.31% |
| Q1 2025 | 9.92% | 0.23% | 0.26% | 1.46% | 2.94% |
| Q4 2024 | 9.81% | 0.40% | 0.27% | 1.58% | 2.85% |
| Q3 2024 | 10.04% | 0.17% | 0.51% | 2.69% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The Pleasants County Bank | Saint Marys , WV | 26170 | $76.7M |
| Belmont Branch | Belmont , WV | 26134 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WV, rank 55 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Pleasants County Bank
What are The Pleasants County Bank's total assets?
As of the Q2 2026 filing, The Pleasants County Bank reported total assets of $84.7 million in its FFIEC call report.
Where is The Pleasants County Bank headquartered?
It is headquartered in Saint Marys, WV, United States.
When was The Pleasants County Bank founded?
It was established in 1896, per the FDIC institution directory.
Is The Pleasants County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Pleasants County Bank?
The Pleasants County Bank's primary federal regulator is the Federal Reserve.
How many branches does The Pleasants County Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Pleasants County Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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