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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.
Reported facts
Deterministic ratios for PENDLETON COMMUNITY BANK INC from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $735M |
|---|---|
| Net loans and leases | $707M |
Plain-language readout
PENDLETON COMMUNITY BANK INC in Franklin, WV funds its loans with $735M of deposits and holds $707M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for PENDLETON COMMUNITY BANK INC in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 96.07% in Q3 2026, against 96.89% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $707M | $735M | 96.07% |
| Q2 2026 | $706M | $719M | 98.19% |
| Q1 2026 | $685M | $707M | 96.89% |
Line-by-line detail on this page is rebuilt from the Q2 2026 Call Report schedules and earlier quarters. Peer comparisons use banks with $300 million-$1 billion in assets for the same quarter.
Deposits
| Type | Amount | Share of deposits | Peer median share | Position among peers | Call Report fields |
|---|---|---|---|---|---|
| Transaction accounts | $322.2M | 44.83% | 39.46% | No band 68th percentile of 1433 peers | RCON2215 |
| Savings deposits (excluding money market deposit accounts) | $73.2M | 10.18% | 10.09% | No band 51st percentile of 1433 peers | RCON0352 |
| Money market deposit accounts | $137.2M | 19.10% | 15.41% | No band 61st percentile of 1433 peers | RCON6810 |
| Time deposits (total) | $186.0M | 25.89% | 30.12% | No band 37th percentile of 1433 peers | RCON2385, RCON0352, RCON6810 |
| Time deposits of $250,000 or less | $145.0M | 20.18% | 20.07% | No band 50th percentile of 1433 peers | RCON6648, RCONJ473 |
| Time deposits over $250,000 | $41.0M | 5.71% | 8.79% | No band 26th percentile of 1433 peers | RCONJ474 |
| Total deposits | $718.6M | 100.00% | Not reported | Not reported | RCON2200 |
| IRA and Keogh plan accounts (memo) | $30.0M | 4.17% | Not reported | Not reported | RCON6835 |
| Volatile liabilities | $91.4M | 12.71% | Not reported | Not reported | RCON2365, RCONJ474, RCONK220, RCON3190, RCONK223 |
The types above add up to total deposits. Volatile liabilities. OptimaYield definition: brokered deposits + time deposits over $250K - brokered over $250K (counted twice otherwise) + listing-service deposits + other borrowed money, fed funds purchased, repurchase agreements and subordinated debt.
Pricing
| Category | Q2 2026 | Q1 2026 | Peer median | Position among peers | Change |
|---|---|---|---|---|---|
| Yield on loans and leases | 6.53% | 6.41% | 6.57% | No band 48th percentile of 1429 peers | +0.12 pts |
| Yield on interest-bearing balances due from banks | 3.13% | 3.60% | 3.67% | No band 17th percentile of 1429 peers | -0.47 pts |
| Total interest income to average assets | 5.68% | 5.57% | 5.36% | No band 67th percentile of 1435 peers | +0.12 pts |
| Cost of interest-bearing transaction accounts | 1.79% | 1.75% | 0.96% | 21–35% 77th percentile of 1413 peers, lower is better | +0.04 pts |
| Cost of savings and money market deposits | 1.49% | 1.44% | 1.51% | Top 50% 49th percentile of 1426 peers, lower is better | +0.04 pts |
| Cost of time deposits | 2.95% | 3.03% | 3.53% | Top 50% 10th percentile of 1427 peers, lower is better | -0.09 pts |
| Total interest expense to average assets | 1.49% | 1.52% | 1.63% | Top 50% 38th percentile of 1435 peers, lower is better | -0.04 pts |
Each rate takes the quarter's interest (year-to-date interest less the prior quarter's year to date), annualizes it by multiplying by four, and divides by the quarter's average balance. Peer rates by category are not shown yet.
Loans
| Bucket | Amount | Call Report fields |
|---|---|---|
| Closed-end 1-4 family first liens: 3 months or less | $13.3M | RCONA564 |
| Closed-end 1-4 family first liens: Over 3 months through 12 months | $20.9M | RCONA565 |
| Closed-end 1-4 family first liens: Over 1 year through 3 years | $60.5M | RCONA566 |
| Closed-end 1-4 family first liens: Over 3 years through 5 years | $30.9M | RCONA567 |
| Closed-end 1-4 family first liens: Over 5 years through 15 years | $24.3M | RCONA568 |
| Closed-end 1-4 family first liens: Over 15 years | $38.4M | RCONA569 |
| All other loans and leases: 3 months or less | $120.0M | RCONA570 |
| All other loans and leases: Over 3 months through 12 months | $32.5M | RCONA571 |
| All other loans and leases: Over 1 year through 3 years | $98.1M | RCONA572 |
| All other loans and leases: Over 3 years through 5 years | $133.7M | RCONA573 |
| All other loans and leases: Over 5 years through 15 years | $95.5M | RCONA574 |
| All other loans and leases: Over 15 years | $40.0M | RCONA575 |
| Item | Amount | Call Report fields |
|---|---|---|
| Held for sale: nonaccrual | $0K | RCONC226 |
| Held for sale: 30-89 days past due | $0K | RCONC240 |
| Held for sale: 90+ days past due | $0K | RCONC241 |
| Additions to nonaccrual assets during the quarter | $1.6M | RCONC410 |
| Nonaccrual assets sold during the quarter | $0K | RCONC411 |
| Paycheck Protection Program loans outstanding | $4K | RCONLG27 |
| Extensions of credit to executive officers, directors and principal shareholders | $4.3M | RCON6164 |
| Loans and leases pledged | $279.8M | RCONG378 |
| Loans pledged, share of loans Loans pledged as collateral divided by loans and leases net of unearned income. | 39.32% | RCONG378, RCONB528 |