BlastPoint's Banking Scorecard
Community Bank of Parkersburg
Micro
Specialty: Commercial
WV
FDIC cert 19681
Designations: ✓ Community bank
Parkersburg, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
Community Bank of Parkersburg faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.6M
+0.7% YoY
-2.8% QoQ
|
+$104.1M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$265.7M
-2.7% YoY
-1.1% QoQ
|
+$126.5M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$235.6M
+0.0% YoY
-2.8% QoQ
|
+$51.9M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.28%
+57.1% YoY
+2.8% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.97%
+11.0% YoY
+2.1% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
69.40%
-10.1% YoY
-0.1% QoQ
|
+1.68% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.34%
-60.4% YoY
-3.8% QoQ
|
-0.30% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
112.78%
-2.7% YoY
+1.8% QoQ
|
+38.26% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.00%
+2.3% YoY
-0.9% QoQ
|
+6.61% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.47%
-36.3% YoY
-2.6% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.75%
+7.8% YoY
+44.1% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
112.78%
(Tier avg: 74.53%, National avg: 78.04%)
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
87
87th pctile
Total Loans
Current: $265.7M · Tier avg: $139.2M
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.00% · Tier avg: 22.39%
76
76th pctile
Total Assets
Current: $321.6M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $235.6M · Tier avg: $183.7M
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
53
53th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Efficiency Ratio
Current: 69.40% · Tier avg: 67.73%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.78% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.78% · Tier avg: 74.53%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
41
41th pctile
Efficiency Ratio
Current: 69.40% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.64%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
67
67th pctile
Total Deposits
Current: $235.6M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $321.6M · Tier avg: $217.5M
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 29.00% · Tier avg: 22.39%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
87
87th pctile
Total Loans
Current: $265.7M · Tier avg: $139.2M