$82.2M
+7.3%y/y
Percentile by value75th percentileby value
FDIC
ASSETPC
The Pleasants County Bank
Saint Marys, West VirginiaFDIC Cert #847
STATEEstablished 18962 branches
Holding company: PLEASANTS CNTY BANKSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Pleasants County Bank reported $82.2M in total assets. Deposits grew 7.50% over the prior year.
Return on assets was 0.53%, compared with an asset-peer median of 0.97%. The leverage ratio was 9.65%.
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$74.3M
+7.5%y/y
Percentile by value82nd percentileby value
FDIC
DEP$46.3M
+17.2%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET0.53%
+30 bpsy/y
Peer standing31st percentile
FDIC
NETINC + ROA77.55%
−1,305 bpsy/y
Peer standing40th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.65%
−27 bpsy/y
Peer standing16th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $70.5M | $62.4M |
| Q3 2021 | $73.7M | $65.7M |
| Q4 2021 | $74.4M | $66.4M |
| Q1 2022 | $73.1M | $66.2M |
| Q2 2022 | $74M | $67.6M |
| Q3 2022 | $78.7M | $73.1M |
| Q4 2022 | $79M | $72.5M |
| Q1 2023 | $78.7M | $71.8M |
| Q2 2023 | $75.7M | $69M |
| Q3 2023 | $73.7M | $67.3M |
| Q4 2023 | $75.4M | $68.5M |
| Q1 2024 | $75.7M | $68.7M |
| Q2 2024 | $73.7M | $66.7M |
| Q3 2024 | $74.8M | $67.2M |
| Q4 2024 | $75.1M | $67.9M |
| Q1 2025 | $76.6M | $69.1M |
| Q2 2025 | $76.9M | $69.2M |
| Q3 2025 | $77.7M | $69.8M |
| Q4 2025 | $79.4M | $71.6M |
| Q1 2026 | $82.2M | $74.3M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $667K |
| Investor CRE | $10.5M |
| Multifamily | $0 |
| Construction | $2.16M |
| 1–4 family | $26.8M |
| C&I | $3.99M |
| Agriculture | $95K |
| Other | $2.59M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.53%31st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE6.12%42nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.61%39th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR77.55%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+7.50%74th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET+17.18%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ9.65%16th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.55%74th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.53%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.30%Median 1.02%90th 1.52%Observations 42
ROE
FDIC
NETINC + ROE6.12%22nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.00%Median 10.11%90th 16.20%Observations 42
NIM
FDIC
NIM + NIMY3.61%34th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.97%Median 3.93%90th 4.40%Observations 42
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR77.55%24th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.13%Median 67.40%90th 84.96%Observations 42
Deposits YoY
FDIC
DEP+7.50%75th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.17%Median +3.75%90th +12.08%Observations 41
Loans YoY
FDIC
LNLSNET+17.18%98th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.90%Median +4.98%90th +11.39%Observations 41
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.40%90th 1.82%Observations 41
Leverage
FDIC
RBC1AAJ9.65%22nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.51%90th 15.81%Observations 42
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.55%90th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.22%90th 2.91%Observations 41
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 33%Median 164%90th 260%Observations 17
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.53%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.36%Median 0.90%90th 24.93%Observations 5
ROE
FDIC
NETINC + ROE6.12%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.47%Median 6.12%90th 33.99%Observations 5
NIM
FDIC
NIM + NIMY3.61%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.75%Median 3.95%90th 4.60%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR77.55%25th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 65.94%Median 73.84%90th 82.04%Observations 5
Leverage
FDIC
RBC1AAJ9.65%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.84%Median 13.93%90th 58.15%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Saint Marys, WV
FDIC
OFFDOMOpen the West Virginia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data