Putnam 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: 52.62 percentage points higher than in Q1 2026, at 129.07%. Putnam County Bank ranks 28th of 41 West Virginia banks on return on assets, in the lower half at 0.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Putnam County Bank sits 0.35 points lower, at 0.90% (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 | 12.32% |
| Equity capital to assets | 11.77% |
| Tangible equity to tangible assets | 11.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.60% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 4.79% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 129.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 7.65% |
| Net interest margin | 3.16% |
| Efficiency ratio | 56.59% |
| Yield on earning assets | 5.02% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.93% |
| Core deposits to total deposits | 75.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.68% |
| Securities to assets | 22.51% |
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 | 12.72% | 0.69% | 2.67% | 2.32% | -0.12% |
| Q4 2023 | 12.67% | 0.51% | 2.74% | 2.29% | -0.01% |
| Q1 2024 | 12.67% | 0.73% | 2.69% | 2.27% | 0.01% |
| Q2 2024 | 12.66% | 0.57% | 2.60% | 2.15% | -0.11% |
| Q3 2024 | 12.53% | 0.52% | 2.56% | 2.06% | -0.06% |
| Q4 2024 | 12.17% | 0.23% | 2.77% | 1.93% | 0.01% |
| Q1 2025 | 12.50% | 0.73% | 2.66% | 1.86% | -0.02% |
| Q2 2025 | 12.38% | 0.80% | 3.04% | 1.79% | -0.01% |
| Q3 2025 | 12.38% | 1.15% | 3.16% | 1.76% | -0.13% |
| Q4 2025 | 12.51% | 0.82% | 3.18% | 1.72% | -0.02% |
| Q1 2026 | 12.82% | 1.05% | 3.00% | 1.48% | -0.03% |
| Q2 2026 | 12.32% | 0.90% | 3.16% | 0.91% | -0.03% |
Putnam County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam 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 Putnam County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15243) · FFIEC NIC profile (RSSD 417626)