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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Franklin, WV · FDIC certificate #6176
PENDLETON COMMUNITY BANK INC is an FDIC-insured institution based in Franklin, WV (FDIC certificate #6176). In its Q3 2026 Call Report it reported total assets of $858M, total deposits of $735M and net loans of $707M. Its primary federal regulator is FDIC.
Plain-language readout
PENDLETON COMMUNITY BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $858M in Q3 2026 and were lowest at $825M in Q1 2026.
Total deposits were highest at $735M in Q3 2026 and lowest at $707M in Q1 2026.
Over the whole period total assets rose 3.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $858M | $735M | $707M | 1.24% | 14.38% | 4.48% |
| Q2 2026 | $850M | $719M | $706M | 1.23% | 14.30% | 4.43% |
| Q1 2026 | $825M | $707M | $685M | 1.24% | 14.40% | 4.36% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.9M | $11.4M | +$2.5M | +21.9% |
| 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) | $83.0M | $82.0M | +$945K | +1.2% |
| 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) | $705.6M | $685.3M | +$20.3M | +3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $13.5M | $13.3M | +$162K | +1.2% |
| Other real estate owned | $72K | $0K | +$72K | 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) | $5.7M | $5.8M | -$40K | -0.7% |
| All other assets | $28.0M | $27.2M | +$812K | +3.0% |
| Total assets | $849.7M | $825.0M | +$24.7M | +3.0% |
| Liabilities | ||||
| Total deposits | $718.6M | $707.3M | +$11.3M | +1.6% |
| Federal funds purchased | $6.0M | $8.0M | -$2.0M | -24.7% |
| Securities sold under agreements to repurchase | $77K | $170K | -$93K | -54.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $40.2M | $25.4M | +$14.8M | +58.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $11.8M | $12.8M | -$927K | -7.3% |
| Total liabilities | $776.8M | $753.7M | +$23.1M | +3.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $900K | $900K | $0K | 0.0% |
| Surplus | $12.5M | $12.5M | $0K | 0.0% |
| Retained earnings | $64.6M | $62.9M | +$1.7M | +2.7% |
| Accumulated other comprehensive income | -$5.0M | -$4.9M | -$116K | -2.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $73.0M | $71.4M | +$1.6M | +2.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $6.1M | $4.4M | +$1.8M | +40.1% |
| Adjusted nonperforming assets | $6.1M | $4.4M | +$1.8M | +40.1% |
| Tangible equity plus allowance | $73.4M | $71.5M | +$1.9M | +2.7% |
| Texas ratio (gross) | 8.35% | 6.12% | +2.23 pts | See points |
| Texas ratio (adjusted) | 8.35% | 6.12% | +2.23 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 6.32% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 10.58% | 10.66% | -0.08 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.58% | 10.66% | -0.08 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.90% | 0.89% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.48% | 11.54% | -0.07 pts | See points |
| Tier 1 leverage (approximate) | 8.67% | 8.62% | +0.05 pts | See points |
| Construction and land loans to total capital | 65.45% | 67.15% | -1.70 pts | See points |
| Commercial real estate to total capital | 205.58% | 210.73% | -5.15 pts | See points |
| Dividend payout, year to date | 35.27% | 37.39% | -2.12 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.75% | -8.76% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $673.6M | $670.1M | +$3.5M | +0.5% |
| Non-core funding | $91.4M | $70.8M | +$20.5M | +29.0% |
| Loans to core deposits | 105.66% | 103.15% | +2.51 pts | See points |
| Loans to deposits | 99.04% | 97.72% | +1.33 pts | See points |
| Brokered deposits share of deposits | 0.55% | 0.00% | +0.55 pts | See points |
| Pledged securities share of securities | 37.56% | 37.57% | -0.01 pts | See points |
| Loans pledged, share of loans | 39.32% | 39.57% | -0.25 pts | See points |
| Volatile liabilities | $91.4M | $70.8M | +$20.5M | +29.0% |
| Earnings | ||||
| Earnings before provision, year to date | $7.2M | $3.4M | +$3.8M | +113.2% |
| Earnings before provision, single quarter | $3.8M | $3.4M | +$445K | +13.2% |
| Provision for credit losses, year to date | $757K | $165K | +$592K | +358.8% |
| Yield and cost | ||||
| Yield on loans and leases | 6.53% | 6.41% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.13% | 3.60% | -0.47 pts | See points |
| Total interest income to average assets | 5.68% | 5.57% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 1.79% | 1.75% | +0.04 pts | See points |
| Cost of savings and money market deposits | 1.49% | 1.44% | +0.04 pts | See points |
| Cost of time deposits | 2.95% | 3.03% | -0.09 pts | See points |
| Total interest expense to average assets | 1.49% | 1.52% | -0.04 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 | $858M | $735M | $707M | 1.24% | 14.38% | 4.48% |
| 2026-06-30 | $850M | $719M | $706M | 1.23% | 14.30% | 4.43% |
| 2026-03-31 | $825M | $707M | $685M | 1.24% | 14.40% | 4.36% |
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 | $477M | 1.01% | 18 | Continuing · +0.04 pp |
| VA | $211.2M | 0.06% | 70 | Continuing · -0.00 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.