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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Chester, WV · FDIC certificate #29035
HANCOCK COUNTY SB FSB is an FDIC-insured institution based in Chester, WV (FDIC certificate #29035). In its Q3 2026 Call Report it reported total assets of $513M, total deposits of $399M and net loans of $435M. Its primary federal regulator is OCC.
Plain-language readout
HANCOCK COUNTY SB FSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $513M in Q3 2026 and were lowest at $497M in Q1 2026.
Total deposits were highest at $401M in Q2 2026 and lowest at $391M in Q1 2026.
Over the whole period total assets rose 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $513M | $399M | $435M | 0.97% | 5.29% | 3.64% |
| Q2 2026 | $508M | $401M | $429M | 0.97% | 5.26% | 3.64% |
| Q1 2026 | $497M | $391M | $426M | 1.05% | 5.66% | 3.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $40.1M | $40.6M | -$572K | -1.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $26.5M | $19.7M | +$6.9M | +34.9% |
| Equity securities with readily determinable fair values, not held for trading | $456K | $459K | -$3K | -0.7% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $429.1M | $426.2M | +$2.9M | +0.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.9M | -$74K | -2.5% |
| Other real estate owned | $514K | $883K | -$369K | -41.8% |
| 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) | $21K | $23K | -$2K | -8.7% |
| All other assets | $8.6M | $6.1M | +$2.4M | +39.2% |
| Total assets | $508.0M | $496.9M | +$11.1M | +2.2% |
| Liabilities | ||||
| Total deposits | $401.2M | $391.1M | +$10.2M | +2.6% |
| 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 | $13.0M | $13.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.4M | -$6K | -0.4% |
| Total liabilities | $415.6M | $405.5M | +$10.2M | +2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $92.5M | $91.4M | +$1.1M | +1.2% |
| Accumulated other comprehensive income | -$108K | $54K | -$162K | -300.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $92.4M | $91.4M | +$955K | +1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.3M | $4.2M | -$901K | -21.7% |
| Adjusted nonperforming assets | $3.3M | $4.2M | -$901K | -21.7% |
| Tangible equity plus allowance | $97.2M | $96.1M | +$1.1M | +1.1% |
| Texas ratio (gross) | 3.35% | 4.33% | -0.97 pts | See points |
| Texas ratio (adjusted) | 3.35% | 4.33% | -0.97 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.15% | 5.14% | -0.99 pts | See points |
| Tier 1 capital to risk-weighted assets | 35.62% | 35.82% | -0.20 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 35.62% | 35.82% | -0.20 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 36.88% | 37.08% | -0.20 pts | See points |
| Tier 1 leverage (approximate) | 18.37% | 18.69% | -0.32 pts | See points |
| Construction and land loans to total capital | 8.44% | 8.82% | -0.38 pts | See points |
| Commercial real estate to total capital | 13.41% | 13.95% | -0.55 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.16% | 0.08% | -0.24 pts | See points |
| Liquidity | ||||
| Core deposits | $366.1M | $358.0M | +$8.0M | +2.2% |
| Non-core funding | $48.1M | $46.0M | +$2.1M | +4.6% |
| Loans to core deposits | 118.53% | 120.36% | -1.83 pts | See points |
| Loans to deposits | 108.15% | 110.20% | -2.05 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 35.21% | 47.65% | -12.44 pts | See points |
| Loans pledged, share of loans | 88.42% | 87.93% | +0.48 pts | See points |
| Volatile liabilities | $48.1M | $46.0M | +$2.1M | +4.6% |
| Earnings | ||||
| Earnings before provision, year to date | $3.3M | $1.7M | +$1.6M | +97.1% |
| Earnings before provision, single quarter | $1.6M | $1.7M | -$48K | -2.9% |
| Provision for credit losses, year to date | $135K | -$13K | +$148K | +1138.5% |
| Yield and cost | ||||
| Yield on loans and leases | 4.77% | 4.72% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 2.97% | +0.73 pts | See points |
| Total interest income to average assets | 4.63% | 4.56% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.03% | 0.03% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.07% | 0.07% | +0.00 pts | See points |
| Cost of time deposits | 3.30% | 3.18% | +0.11 pts | See points |
| Total interest expense to average assets | 1.07% | 1.04% | +0.03 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 | $513M | $399M | $435M | 0.97% | 5.29% | 3.64% |
| 2026-06-30 | $508M | $401M | $429M | 0.97% | 5.26% | 3.64% |
| 2026-03-31 | $497M | $391M | $426M | 1.05% | 5.66% | 3.60% |
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 | $384.9M | 0.82% | 22 | Continuing · +0.02 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.