BlastPoint's Banking Scorecard

Putnam County Bank

$100M-$1B Specialty: Commercial WV FDIC cert 15243

Hurricane, WV

5 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in WV

Putnam County Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 3.9% in tier
+ Efficiency Ratio 11.29% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.2% in tier
- Credit Risk Growth: Bottom 23.2% in tier
- Net Interest Margin 0.99% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.23% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$709.8M +9.1% YoY +9.1% QoQ	+$323.7M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	Top 12.2% in tier
Total Loans ?	$446.7M +6.9% YoY -0.6% QoQ	+$190.9M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$622.8M +9.3% YoY +10.2% QoQ	+$294.8M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	Top 11.1% in tier
Return on Assets ?	1.04% +42.6% YoY +17.0% QoQ	-0.23%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	2.94% +10.1% YoY -3.6% QoQ	-0.99%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	Bottom 9.8% in tier
Efficiency Ratio ?	54.00% -11.6% YoY -12.4% QoQ	-11.29%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.06% +414.6% YoY -26.9% QoQ	-0.83%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	71.72% -2.2% YoY -9.8% QoQ	-4.92%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	17.08% -3.4% YoY -6.0% QoQ	-4.94%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.05% +59.6% YoY -26.4% QoQ	-0.58%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	12.82% +2.6% YoY +2.5% QoQ	-3.01%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.02% -5.5% YoY -78.7% QoQ	-0.26%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	Bottom 4.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#27 of 664 • Top 3.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#121 of 1308 • Bottom 9.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#227 of 973 • Bottom 23.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

298

Total Deposits

size

Value: $622.82M

Peer Median: $327.97M

#298 of 2664 Top 11.1% in $100M-$1B

325

Total Assets

size

Value: $709.76M

Peer Median: $386.08M

#325 of 2664 Top 12.2% in $100M-$1B

421

Total Loans

size

Value: $446.66M

Peer Median: $255.72M

#421 of 2664 Top 15.8% in $100M-$1B

573

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#573 of 2654 Top 21.6% in $100M-$1B

613

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#613 of 2664 Top 23.0% in $100M-$1B

639

Efficiency Ratio

profitability

Value: 54.00%

Peer Median: 65.29%

#639 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2559

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2559 of 2664 Bottom 4.0% in $100M-$1B

2405

Net Interest Margin

profitability

Value: 2.94%

Peer Median: 3.93%

#2405 of 2664 Bottom 9.8% in $100M-$1B