BlastPoint's Banking Scorecard
Hancock County Savings Bank, F.S.B.
Micro
Specialty: Mortgage
WV
FDIC cert 29035
Designations: ✓ Community bank ✓ Mutual
Chester, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
Hancock County Savings Bank, F.S.B. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 26.44% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.48% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$482.4M
+0.2% YoY
+0.1% QoQ
|
+$264.9M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$427.0M
+1.9% YoY
+0.4% QoQ
|
+$287.9M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$377.9M
-0.2% YoY
-0.1% QoQ
|
+$194.2M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.78%
+19.0% YoY
+0.1% QoQ
|
-0.30% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.42%
+8.4% YoY
+1.5% QoQ
|
-0.44% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
69.44%
-4.2% YoY
+0.8% QoQ
|
+1.71% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.79%
+106.4% YoY
+14.8% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
113.01%
+2.1% YoY
+0.5% QoQ
|
+38.48% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.82%
-1.2% YoY
+4.7% QoQ
|
-12.57% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.77%
+121.9% YoY
+11.8% QoQ
|
+0.32% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
35.29%
+1.8% YoY
+0.9% QoQ
|
+26.44% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.37%
+0.6% YoY
+36.9% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
35.29%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
113.01%
(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
100
100th pctile
Total Loans
Current: $427.0M · Tier avg: $139.2M
98
98th pctile
Total Assets
Current: $482.4M · Tier avg: $217.5M
98
98th pctile
Tier 1 Capital Ratio
Current: 35.29% · Tier avg: 8.85%
94
94th pctile
Total Deposits
Current: $377.9M · Tier avg: $183.7M
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
41
41th pctile
Efficiency Ratio
Current: 69.44% · Tier avg: 67.73%
34
34th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.82% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.01% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.01% · Tier avg: 74.53%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.82% · Tier avg: 22.39%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
34
34th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
41
41th pctile
Efficiency Ratio
Current: 69.44% · Tier avg: 67.73%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
94
94th pctile
Total Deposits
Current: $377.9M · Tier avg: $183.7M
98
98th pctile
Tier 1 Capital Ratio
Current: 35.29% · Tier avg: 8.85%
98
98th pctile
Total Assets
Current: $482.4M · Tier avg: $217.5M
100
100th pctile
Total Loans
Current: $427.0M · Tier avg: $139.2M