Bank Safety Analysis
Is The Pleasants County Bank Safe? Saint Marys, West Virginia
Based on its Q3 2026 call report, The Pleasants County Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Pleasants County Bank safe?
On its Q3 2026 call report, The Pleasants County Bank's CET1 ratio is 15.59%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 15.59%
- Tier 1 leverage ratio (Q3 2026): 9.26%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
The Pleasants County Bank is an FDIC-insured commercial bank (FDIC Certificate #847). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Pleasants County Bank (FDIC Certificate #847) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Pleasants County Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The biggest quarter-over-quarter change on this page was a small one: return on assets edged down 0.07 percentage points between Q2 2026 and Q3 2026, to 0.72%. The Pleasants County Bank ranks 7th of 15 West Virginia banks on CET1 ratio, in the upper half at 15.59% (Q3 2026). The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. The Pleasants County Bank sits 4.36 points lower, at 15.59% (Q3 2026).
From Q4 2023 to Q3 2026, The Pleasants County Bank's Texas ratio ranged between 0.00% (Q3 2026) and 3.16% (Q2 2025). Between Q3 2025 and Q3 2026, The Pleasants County Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.50% to 0.00%, Texas ratio fell from 2.98% to 0.00% and return on assets rose from 0.67% to 0.72%.
By total assets at Q3 2026, The Pleasants County Bank is the 37th largest of the 40 banks headquartered in West Virginia. 1-4 family residential loans are its largest loan category, $31.0M of $52.0M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, The Pleasants County Bank's CET1 ratio of 15.59% is below the 19.96% median, Tier 1 leverage ratio of 9.26% is below the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 71.16% is above the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Pleasants County Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Pleasants County Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does The Pleasants County Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 15.59% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 67.93% | Within range |
| Commercial real estate to capital supervisory threshold | 162.09% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 2.98% |
| Q2 2025 | 3.16% |
| Q1 2025 | 1.46% |
| Q4 2024 | 1.58% |
| Q3 2024 | 2.69% |
| Q2 2024 | 1.93% |
| Q1 2024 | 1.75% |
| Q4 2023 | 2.02% |
Loans by type, Q3 2026
- 1-4 family residential loans: $31.0M
- Non-owner-occupied commercial real estate loans: $11.6M
- Commercial and industrial loans: $4.1M
- Construction and land development loans: $2.0M
- Other consumer loans: $1.2M
- Auto loans: $1.0M
- Owner-occupied commercial real estate loans: $649K
- Loans to states and political subdivisions: $310K
How have The Pleasants County Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $84.3M | 15.59% | 9.26% | 0.00% | 0.00% | 71.16% |
| Jun 30, 2026 | $84.7M | — | 9.44% | 0.00% | 0.00% | 70.44% |
| Mar 31, 2026 | $82.2M | — | 9.65% | 0.00% | 0.00% | 77.21% |
| Dec 31, 2025 | $79.4M | — | 9.64% | 0.00% | 0.00% | 77.26% |
| Sep 30, 2025 | $77.7M | — | 9.75% | 0.50% | 2.98% | 73.95% |
| Jun 30, 2025 | $76.9M | — | 9.78% | 0.52% | 3.16% | 80.49% |
| Mar 31, 2025 | $76.6M | — | 9.92% | 0.26% | 1.46% | 89.97% |
| Dec 31, 2024 | $75.0M | — | 9.81% | 0.27% | 1.58% | 86.25% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Pleasants County Bank FDIC insured?
Yes. The Pleasants County Bank is an FDIC-insured commercial bank (FDIC Certificate #847). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Pleasants County Bank well capitalized?
On its Q3 2026 call report, The Pleasants County Bank's CET1 ratio is 15.59%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are The Pleasants County Bank's key safety ratios?
For Q3 2026, The Pleasants County Bank reports CET1 15.59%, leverage 9.26%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if The Pleasants County Bank fails?
For Q3 2026, The Pleasants County Bank reported $76.5M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Pleasants County Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio The Pleasants County Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 847) · FFIEC NIC profile (RSSD 8631)
Explore: Full The Pleasants County Bank profile · Other banks in WV · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.