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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hurricane, WV · FDIC certificate #15243
PUTNAM COUNTY BANK is an FDIC-insured institution based in Hurricane, WV (FDIC certificate #15243). In its Q3 2026 Call Report it reported total assets of $718M, total deposits of $632M and net loans of $454M. Its primary federal regulator is FED.
Plain-language readout
PUTNAM COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $718M in Q3 2026 and were lowest at $704M in Q2 2026.
Total deposits were highest at $632M in Q3 2026 and lowest at $617M in Q2 2026.
Over the whole period total assets rose 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $718M | $632M | $454M | 0.97% | 8.21% | 3.03% |
| Q2 2026 | $704M | $617M | $445M | 0.97% | 8.13% | 3.08% |
| Q1 2026 | $710M | $623M | $447M | 1.04% | 8.60% | 2.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $77.0M | $90.3M | -$13.3M | -14.8% |
| Federal funds sold | $5.2M | $5.1M | +$59K | +1.2% |
| 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) | $157.2M | $151.8M | +$5.4M | +3.6% |
| Equity securities with readily determinable fair values, not held for trading | $1.3M | $1.3M | +$1K | +0.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $445.0M | $446.7M | -$1.6M | -0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.0M | $8.0M | +$4.0M | +50.0% |
| Other real estate owned | $135K | $137K | -$2K | -1.5% |
| 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 | $6.4M | $6.4M | -$35K | -0.5% |
| Total assets | $704.2M | $709.8M | -$5.5M | -0.8% |
| Liabilities | ||||
| Total deposits | $617.5M | $622.8M | -$5.4M | -0.9% |
| 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 | $3.9M | $4.4M | -$537K | -12.2% |
| Total liabilities | $621.3M | $627.2M | -$5.9M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $85.3M | $84.5M | +$752K | +0.9% |
| Accumulated other comprehensive income | -$3.6M | -$3.2M | -$390K | -12.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $82.9M | $82.6M | +$362K | +0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $135K | $390K | -$255K | -65.4% |
| Adjusted nonperforming assets | $135K | $390K | -$255K | -65.4% |
| Tangible equity plus allowance | $88.2M | $87.7M | +$522K | +0.6% |
| Texas ratio (gross) | 0.15% | 0.44% | -0.29 pts | See points |
| Texas ratio (adjusted) | 0.15% | 0.44% | -0.29 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.79% | 7.80% | -3.00 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) | 12.32% | 12.82% | -0.50 pts | See points |
| Construction and land loans to total capital | 43.62% | 36.61% | +7.01 pts | See points |
| Commercial real estate to total capital | 149.32% | 139.30% | +10.02 pts | See points |
| Dividend payout, year to date | 24.89% | 0.00% | +24.89 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.57% | -5.00% | -0.57 pts | See points |
| Liquidity | ||||
| Core deposits | $469.2M | $477.7M | -$8.5M | -1.8% |
| Non-core funding | $148.2M | $145.1M | +$3.1M | +2.2% |
| Loans to core deposits | 95.97% | 94.57% | +1.40 pts | See points |
| Loans to deposits | 72.93% | 72.54% | +0.39 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 69.83% | 72.66% | -2.82 pts | See points |
| Loans pledged, share of loans | 69.61% | 70.15% | -0.53 pts | See points |
| Volatile liabilities | $148.2M | $145.1M | +$3.1M | +2.2% |
| Earnings | ||||
| Earnings before provision, year to date | $4.7M | $2.3M | +$2.4M | +104.5% |
| Earnings before provision, single quarter | $2.4M | $2.3M | +$103K | +4.5% |
| Provision for credit losses, year to date | $227K | -$32K | +$259K | +809.4% |
| Yield and cost | ||||
| Yield on loans and leases | 5.73% | 5.35% | +0.39 pts | See points |
| Yield on interest-bearing balances due from banks | 3.77% | 2.70% | +1.06 pts | See points |
| Total interest income to average assets | 4.93% | 4.62% | +0.31 pts | See points |
| Cost of interest-bearing transaction accounts | 0.50% | 0.49% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.10% | 0.10% | +0.00 pts | See points |
| Cost of time deposits | 3.71% | 3.66% | +0.05 pts | See points |
| Total interest expense to average assets | 1.83% | 1.71% | +0.12 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 | $718M | $632M | $454M | 0.97% | 8.21% | 3.03% |
| 2026-06-30 | $704M | $617M | $445M | 0.97% | 8.13% | 3.08% |
| 2026-03-31 | $710M | $623M | $447M | 1.04% | 8.60% | 2.94% |
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 | $583.8M | 1.24% | 13 | Continuing · +0.08 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.