BlastPoint's Banking Scorecard
Putnam County Bank
Community
Specialty: Commercial
WV
FDIC cert 15243
Hurricane, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
Putnam County Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 44% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16% in Community
- - Flatlined Growth: Bottom 30% in Community
- - Non-Interest Income / Assets 0.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$650.6M
+0.3% YoY
-3.5% QoQ
|
-$740.9M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$449.1M
+7.4% YoY
+2.9% QoQ
|
-$526.3M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$565.0M
-0.0% YoY
-4.2% QoQ
|
-$599.6M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.88%
+73.1% YoY
-1.3% QoQ
|
-0.28% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.05%
+13.5% YoY
+2.6% QoQ
|
-0.62% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
61.66%
-16.8% YoY
+5.1% QoQ
|
-0.97% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.08%
-34.8% YoY
+146.8% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
79.50%
+7.5% YoY
+7.4% QoQ
|
-3.56% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
18.18%
+4.3% YoY
-5.1% QoQ
|
-2.87% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.07%
-28.3% YoY
+83.0% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.09%
+2.6% YoY
+37.8% QoQ
|
-0.65% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#164 of 371 · Top 44% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Capital Thin
risk
#68 of 432 · Bottom 16% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#73 of 245 · Bottom 30% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.88%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.09%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.50% · Tier avg: 83.06%
52
52th pctile
Efficiency Ratio
Current: 61.66% · Tier avg: 62.63%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Total Deposits
Current: $565.0M · Tier avg: $1.2B
23
23th pctile
Total Loans
Current: $449.1M · Tier avg: $975.5M
21
21th pctile
Total Assets
Current: $650.6M · Tier avg: $1.4B
19
19th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
3
3th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.74%
19
19th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
21
21th pctile
Total Assets
Current: $650.6M · Tier avg: $1.4B
23
23th pctile
Total Loans
Current: $449.1M · Tier avg: $975.5M
24
24th pctile
Total Deposits
Current: $565.0M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
52
52th pctile
Efficiency Ratio
Current: 61.66% · Tier avg: 62.63%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.50% · Tier avg: 83.06%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%