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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Grantsville, WV · FDIC certificate #9024
CALHOUN COUNTY BANK INC is an FDIC-insured institution based in Grantsville, WV (FDIC certificate #9024). In its Q3 2026 Call Report it reported total assets of $206M, total deposits of $183M and net loans of $145M. Its primary federal regulator is FDIC.
Plain-language readout
CALHOUN COUNTY BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $212M in Q2 2026 and were lowest at $206M in Q3 2026.
Total deposits were highest at $188M in Q2 2026 and lowest at $183M in Q3 2026.
Over the whole period total assets fell 1.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $206M | $183M | $145M | 1.38% | 13.66% | 4.51% |
| Q2 2026 | $212M | $188M | $142M | 1.38% | 13.75% | 4.38% |
| Q1 2026 | $210M | $187M | $135M | 1.22% | 12.31% | 4.20% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.0M | $17.7M | -$6.7M | -38.0% |
| Federal funds sold | $940K | $1.0M | -$83K | -8.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $47.6M | $45.7M | +$1.9M | +4.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $141.6M | $135.4M | +$6.2M | +4.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.6M | $3.7M | -$55K | -1.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.0M | $6.8M | +$178K | +2.6% |
| Total assets | $211.7M | $210.3M | +$1.4M | +0.7% |
| Liabilities | ||||
| Total deposits | $188.3M | $187.3M | +$971K | +0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.8M | $1.8M | +$33K | +1.8% |
| Total liabilities | $190.1M | $189.1M | +$1.0M | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $307K | $307K | $0K | 0.0% |
| Surplus | $556K | $556K | $0K | 0.0% |
| Retained earnings | $21.7M | $21.3M | +$478K | +2.2% |
| Accumulated other comprehensive income | -$947K | -$912K | -$35K | -3.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.6M | $21.2M | +$443K | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $837K | $778K | +$59K | +7.6% |
| Adjusted nonperforming assets | $837K | $778K | +$59K | +7.6% |
| Tangible equity plus allowance | $23.6M | $23.1M | +$442K | +1.9% |
| Texas ratio (gross) | 3.55% | 3.37% | +0.19 pts | See points |
| Texas ratio (adjusted) | 3.55% | 3.37% | +0.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.74% | 8.76% | -0.02 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.48% | 10.48% | -0.01 pts | See points |
| Construction and land loans to total capital | 3.88% | 4.12% | -0.24 pts | See points |
| Commercial real estate to total capital | 52.29% | 51.66% | +0.63 pts | See points |
| Dividend payout, year to date | 22.86% | 0.00% | +22.86 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.62% | -5.53% | -0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $170.9M | $172.9M | -$2.0M | -1.2% |
| Non-core funding | $17.4M | $14.4M | +$3.0M | +20.7% |
| Loans to core deposits | 83.98% | 79.40% | +4.59 pts | See points |
| Loans to deposits | 76.24% | 73.30% | +2.94 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 44.50% | 46.02% | -1.53 pts | See points |
| Loans pledged, share of loans | 36.61% | 34.46% | +2.14 pts | See points |
| Volatile liabilities | $17.4M | $14.4M | +$3.0M | +20.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $854K | +$1.1M | +126.0% |
| Earnings before provision, single quarter | $1.1M | $854K | +$222K | +26.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.47% | 6.14% | +0.33 pts | See points |
| Yield on interest-bearing balances due from banks | 3.25% | 3.07% | +0.18 pts | See points |
| Total interest income to average assets | 5.23% | 4.98% | +0.25 pts | See points |
| Cost of interest-bearing transaction accounts | 1.43% | 0.92% | +0.51 pts | See points |
| Cost of savings and money market deposits | 0.28% | 0.83% | -0.55 pts | See points |
| Cost of time deposits | 3.14% | 3.23% | -0.09 pts | See points |
| Total interest expense to average assets | 1.01% | 1.03% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $206M | $183M | $145M | 1.38% | 13.66% | 4.51% |
| 2026-06-30 | $212M | $188M | $142M | 1.38% | 13.75% | 4.38% |
| 2026-03-31 | $210M | $187M | $135M | 1.22% | 12.31% | 4.20% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WV | $180.1M | 0.38% | 44 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.