Putnam County Bank
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Data as of · sourced from FFIEC call reports. How we update
Putnam County Bank is an FDIC-insured commercial bank headquartered in Hurricane, WV, established in 1901 (FDIC certificate 15243), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $704.2M, up 5.8% from Q2 2025, the 9th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.32% 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
- 15243
- Headquarters
- Hurricane, WV
- Established
- 1901
- Total assets, Q2 2026
- $704.2M
- Assets vs Q2 2025
- +5.8%
- Tier 1 leverage ratio, Q2 2026
- 12.32%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 051502858
- Latest call report
- Q2 2026, FFIEC 051 · Putnam County Bank call report
- Holding company
- PUTNAM BANCSHARES, INC.
- Asset rank in state
- 9th of 40 in West Virginia
Putnam County Bank, based in Hurricane, West Virginia, reported $704 million in assets at June 30, 2026, up 5.8% from a year earlier. It carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 20% from a year earlier, to $1.6 million. Over the same year, loans grew 2.3% and deposits grew 5.8%. Profitability lags: it returns 7.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, Putnam County Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.15%. The figures come from its call report filed with the FFIEC.
Putnam County Bank ranks as the 9th largest of the 40 banks based in West Virginia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.8% to $704.2M, loans fell 0.3% and deposits fell 0.9%. 1-4 family residential loans made up 55.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.9%. Its 5 offices in the FDIC Summary of Deposits are in Hurricane, WV and Milton, WV; its Hurricane 4 offices book 96% of its branch deposits. By the capital ratios in its Q2 2026 call report, Putnam County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2761 Main St, Hurricane, WV 25526
- County
- Putnam
- Metro Area
- Huntington-Ashland, WV-KY-Oh
- 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
- October 11, 1901
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $617.5M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- -$68K
- Average total assets
- $702.5M
- Average total loans
- $449.4M
- Average interest-bearing deposits
- $508.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1935
- FDIC Cert
- 15243
- Fed RSSD
- 417626
- Website
- www.pcbwv.bank →
- Parent Holding Company
- PUTNAM BANCSHARES, INC. (RSSD 1139804)
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, Putnam County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Putnam County Bank's total assets ranged from $607.9M (Q4 2023) to $709.8M (Q1 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
$704.2M total assets against $665.3M; $621.3M total liabilities against $587.8M.
$445.0M net loans and leases against $435.1M; $617.5M total deposits against $583.8M.
$158.6M securities against $160.7M; $82.1M cash and balances due against $56.6M.
$8.7M total interest income against $7.9M; $3.2M total interest expense against $3.1M.
$5.4M net interest income against $4.9M.
$150K total noninterest income against $148K; $3.2M total noninterest expense against $3.1M.
$259K provision for credit losses against $148K.
$1.6M net income against $1.3M.
0.90% return on assets against 0.80%; 3.16% net interest margin against 3.04%.
12.32% tier 1 leverage ratio against 12.38%.
Inside the full Putnam County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePutnam County Bank rankings
Its closest position to the top of a national ranking is 1,360 of 4,196, for total assets; its furthest is 3,189 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.23% (Q4 2024) to 1.15% (Q3 2025) and its net interest margin ran from 2.56% (Q3 2024) to 3.18% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.32% | 0.90% | 0.00% | 0.15% | 3.16% |
| Q1 2026 | 12.82% | 1.05% | 0.06% | 0.44% | 3.00% |
| Q4 2025 | 12.51% | 0.82% | 0.08% | 0.56% | 3.18% |
| Q3 2025 | 12.38% | 1.15% | 0.03% | 0.32% | 3.16% |
| Q2 2025 | 12.38% | 0.80% | 0.00% | 0.17% | 3.04% |
| Q1 2025 | 12.50% | 0.73% | 0.01% | 0.28% | 2.66% |
| Q4 2024 | 12.17% | 0.23% | 0.12% | 0.86% | 2.77% |
| Q3 2024 | 12.53% | 0.52% | 0.46% | 2.62% | 2.56% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Putnam County Bank (main office) | Hurricane , WV | 25526 | $295.5M |
| Hurricane Creek Branch | Hurricane , WV | 25526 | $177.3M |
| Vally Branch | Hurricane , WV | 25526 | $118.2M |
| Milton Branch | Milton , WV | 25541 | $26.5M |
| Hurricane Loan Office Branch | Hurricane , WV | 25526 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve); 2 against individuals associated with it
- July 1, 2020, Federal Reserve: Civil Money Penalty: Putnam County Bank, Hurricane, West Virginia
- November 19, 2003, Federal Reserve: Written Agreement: Putnam County Bank, Hurricane, WV
- Period: Most recent institution action July 1, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in WV, rank 13 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 205 applications, 156 loans originated, $50.5M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- 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 Putnam County Bank
What are Putnam County Bank's total assets?
As of the Q2 2026 filing, Putnam County Bank reported total assets of $704.2 million in its FFIEC call report.
Where is Putnam County Bank headquartered?
It is headquartered in Hurricane, WV, United States.
When was Putnam County Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Putnam County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Putnam County Bank?
Putnam County Bank's primary federal regulator is the Federal Reserve.
How many branches does Putnam County Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Putnam County Bank's Texas Ratio?
Its Texas Ratio is 0.15% 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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