BlastPoint's Banking Scorecard
The Pleasants County Bank
Micro
Specialty: Other
WV
FDIC cert 847
Designations: ✓ Community bank
Saint Marys, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
The Pleasants County Bank shows strong momentum with 2 strengths and 5.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$79.4M
+5.8% YoY
+2.2% QoQ
|
-$138.1M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$45.8M
+15.6% YoY
+4.1% QoQ
|
-$93.4M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$71.6M
+5.5% YoY
+2.6% QoQ
|
-$112.1M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.55%
+116.3% YoY
+14.1% QoQ
|
-0.54% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.44%
+19.2% YoY
+3.1% QoQ
|
-0.41% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
80.35%
-11.1% YoY
-1.3% QoQ
|
+12.62% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
63.91%
+9.6% YoY
+1.4% QoQ
|
-10.61% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
32.96%
+9.8% YoY
+5.4% QoQ
|
+10.56% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.35%
-20.0% YoY
+33.7% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.96% · Tier avg: 22.39%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.91% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
20
20th pctile
Efficiency Ratio
Current: 80.35% · Tier avg: 67.73%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
18
18th pctile
Total Deposits
Current: $71.6M · Tier avg: $183.7M
18
18th pctile
Total Loans
Current: $45.8M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $79.4M · Tier avg: $217.5M
Top Weaknesses
16
16th pctile
Total Assets
Current: $79.4M · Tier avg: $217.5M
18
18th pctile
Total Loans
Current: $45.8M · Tier avg: $139.2M
18
18th pctile
Total Deposits
Current: $71.6M · Tier avg: $183.7M
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.35% · Tier avg: 67.73%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.91% · Tier avg: 74.53%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.96% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%