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Pendleton Community Bank, Inc.
Franklin, WV · FDIC Certificate #6176 · Chartered 10/0
Total assets
$849.73M
Total deposits
$718.59M
Total equity
$72.96M
Net loans
$705.59M
Branches (offices)
15
Net income (YTD)
$5.10M
Rank: #1,194 of 4,213 U.S. banks by assets · #6 of 41 in West Virginia. Assets changed 7.5% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 14.30% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 8.59% |
| Tier 1 leverage ratio | 8.67% |
| Uninsured deposits (share of deposits) | 14.7% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 98.2% |
| Real estate loans (share of loans) | 66.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $471.17M | 66.8% | |
| Commercial & industrial | $33.99M | 4.8% | |
| Consumer / individual | $157.53M | 22.3% | |
| Construction & development | $51.29M | 7.3% | |
| Agricultural | $3.89M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $641.00M | $584.11M | $2.81M | $48.20M |
| Jun 2023 | $727.04M | $610.25M | $2.84M | $50.50M |
| Jun 2024 | $765.47M | $651.56M | $2.47M | $57.01M |
| Jun 2025 | $790.10M | $688.20M | $3.35M | $65.06M |
| Jun 2026 | $849.73M | $718.59M | $5.10M | $72.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $500.78M | 9 |
| Virginia | $217.81M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $718.59M.
Similar-sized banks
First Commercial Bank (Usa) ($849.87M) · Bankiowa ($846.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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