The Pleasants County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Pleasants County Bank of Saint Marys, WV against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.79% | 3.14% | -2.35% | 38th below |
| ROAE Behind the peer average, ahead of the median peer. | 9.13% | 10.30% | -1.17% | 54th above |
| Net Interest Margin | 3.84% | 3.94% | -0.10% | 48th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 70.44% | 76.33% | -5.89% | 49th below |
| PPNR / Avg Assets | 1.16% | 1.40% | -0.24% | 46th below |
| Yield on Earning Assets | 4.88% | 5.35% | -0.47% | 35th below |
| Cost of Funds | 1.06% | 1.70% | -0.64% | 76th top |
| Net Interest Spread | 3.30% | 3.32% | -0.02% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 1.34% | -1.26% | 61st above |
| NPA / Total Assets | 0.05% | 0.71% | -0.66% | 56th above |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.90% | 1.49% | -0.59% | 21st bottom |
| ACL / NPLs (Coverage) | 1137.50% | 864.22% | +273.28% | — |
| Texas Ratio | 0.52% | 8.28% | -7.76% | 61st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.44% | 17.66% | -8.22% | 14th bottom |
| Equity / Assets | 8.51% | 16.47% | -7.96% | 12th bottom |
| TCE / Tangible Assets | 8.51% | 16.21% | -7.70% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.83% | 72.85% | -7.02% | 51st above |
| Core Deposit Ratio | 87.74% | 88.28% | -0.54% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.21% | 4.25% | +5.96% | 84th top |
| Loan Growth (Y/Y) | 15.89% | 6.73% | +9.16% | 88th top |
| Deposit Growth (Y/Y) | 10.82% | 3.71% | +7.11% | 87th top |
See The Pleasants County Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Pleasants County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Pleasants County Bank profile, how to read a UBPR, or how this data updates.