The Pleasants County Bank: 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: 47.50 percentage points higher than in Q1 2026, at 1137.50%. The Pleasants County Bank ranks 32nd of 41 West Virginia banks on return on assets, in the lower half at 0.79% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. The Pleasants County Bank sits 0.19 points lower, at 0.79% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 8.51% |
| Tangible equity to tangible assets | 8.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.52% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 1137.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 9.13% |
| Net interest margin | 3.84% |
| Efficiency ratio | 70.44% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.83% |
| Core deposits to total deposits | 87.74% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.54% |
| Securities to assets | 21.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.09% | 0.33% | 3.06% | 0.45% | 0.00% |
| Q4 2023 | 9.88% | 0.19% | 2.90% | 0.43% | -0.06% |
| Q1 2024 | 9.82% | 0.14% | 2.71% | 0.44% | 0.00% |
| Q2 2024 | 9.92% | 0.30% | 2.84% | 0.43% | 0.00% |
| Q3 2024 | 10.04% | 0.17% | 2.79% | 0.41% | 0.00% |
| Q4 2024 | 9.81% | 0.40% | 2.85% | 0.38% | -0.01% |
| Q1 2025 | 9.92% | 0.23% | 2.94% | 0.26% | 0.00% |
| Q2 2025 | 9.78% | 0.53% | 3.31% | 0.34% | 0.01% |
| Q3 2025 | 9.75% | 0.67% | 3.50% | 0.32% | 0.02% |
| Q4 2025 | 9.64% | 0.75% | 3.66% | 0.09% | 0.01% |
| Q1 2026 | 9.65% | 0.54% | 3.60% | 0.09% | 0.00% |
| Q2 2026 | 9.44% | 0.79% | 3.84% | 0.08% | 0.00% |
The Pleasants County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pleasants County Bank, 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 The Pleasants County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 847) · FFIEC NIC profile (RSSD 8631)