BlastPoint's Banking Scorecard
The First National Bank of Peterstown
Micro
Specialty: Other
WV
FDIC cert 6787
Designations: ✓ Community bank
Peterstown, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
The First National Bank of Peterstown demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.12% above tier
- + Tier 1 Capital Ratio 18.89% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.1M
+0.8% YoY
-1.6% QoQ
|
-$133.4M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$37.8M
-0.3% YoY
+1.8% QoQ
|
-$101.4M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$73.5M
-0.8% YoY
-1.6% QoQ
|
-$110.2M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.98%
-1.4% YoY
-12.8% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.72%
+0.9% YoY
+0.4% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
68.77%
+0.9% YoY
+3.2% QoQ
|
+1.04% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
2.06%
+251.4% YoY
+112.3% QoQ
|
+1.42% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
51.48%
+0.6% YoY
+3.5% QoQ
|
-23.05% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.52%
+10.1% YoY
+1.0% QoQ
|
+24.12% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.93%
+247.6% YoY
+119.6% QoQ
|
+0.47% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
27.74%
+6.2% YoY
-1.2% QoQ
|
+18.89% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.87%
+11.1% YoY
+35.0% QoQ
|
+0.30% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.52%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.74%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.52% · Tier avg: 22.39%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.74% · Tier avg: 8.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.48% · Tier avg: 74.53%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
43
43th pctile
Efficiency Ratio
Current: 68.77% · Tier avg: 67.73%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
19
19th pctile
Total Deposits
Current: $73.5M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $84.1M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $37.8M · Tier avg: $139.2M
13
13th pctile
Delinquency Rate
Current: 2.06% · Tier avg: 0.64%
Top Weaknesses
13
13th pctile
Delinquency Rate
Current: 2.06% · Tier avg: 0.64%
14
14th pctile
Total Loans
Current: $37.8M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $84.1M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $73.5M · Tier avg: $183.7M
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
43
43th pctile
Efficiency Ratio
Current: 68.77% · Tier avg: 67.73%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.48% · Tier avg: 74.53%
89
89th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.74% · Tier avg: 8.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.52% · Tier avg: 22.39%