BlastPoint's Banking Scorecard
Putnam County Bank
Hurricane, WV
5 branches across WV
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
- Deposits +5.8% year over year ($617.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.97%.
- Efficiency ratio 55.63% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.07% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Putnam County Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30.7% in tier
- + Efficiency Ratio 8.85% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - ROA 0.35% below tier average
- - Net Interest Margin 0.90% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$704.2M
+5.8% YoY
-0.8% QoQ
|
+$317.7M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
Top 12.3% in tier |
| Total Loans ? |
$445.0M
+2.3% YoY
-0.4% QoQ
|
+$186.7M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$617.5M
+5.8% YoY
-0.9% QoQ
|
+$290.7M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Top 11.1% in tier |
| Return on Assets ? |
0.97%
+27.1% YoY
-6.1% QoQ
|
-0.35% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.08%
+7.9% YoY
+4.9% QoQ
|
-0.90% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio ? |
55.63%
-9.0% YoY
+3.0% QoQ
|
-8.85% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
72.07%
-3.3% YoY
+0.5% QoQ
|
-5.88% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
17.30%
-3.8% YoY
+1.3% QoQ
|
-4.73% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.02%
-8.2% YoY
-65.1% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
12.32%
-0.4% YoY
-3.9% QoQ
|
-3.59% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.04%
-3.5% YoY
+114.5% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.3%
-0.7pp YoY +0.2pp QoQ |
-4.8pp | 22.1% | 27.1% | 22.2% | 33% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.7%
-1.7pp YoY -1.2pp QoQ |
-9.9pp | 11.6% | 7.1% | 12.5% | 5% |
| CRE |
40.5%
+1.3pp YoY +1.2pp QoQ |
+0.9pp | 39.5% | 33.8% | 41.4% | 54% |
| 1-4 Family |
56.2%
+0.8pp YoY +0.1pp QoQ |
+23.6pp | 32.6% | 52.8% | 31.3% | 87% |
| Consumer |
0.7%
0.0pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 7.9% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
12.3%
-0.1pp YoY -0.5pp QoQ |
+0.1pp | 12.2% | 11.6% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
74
+1 (+1.4%) YoY 0 QoQ |
+15 | 58 | 161 | 482 | 73% |
| Assets per Employee ($) |
$9.5M
+4.4% YoY -0.8% QoQ |
+$2.0M | $7.5M | $6.1M | $8.8M | 83% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 13 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 6.60x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.1%
+1.5pp YoY -0.5pp QoQ |
-4.1pp | 12.2% | 10.6% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY +0.1pp QoQ |
+0.1pp | 1.7% | 1.5% | 1.7% | 59% |
| Net Income ($, YTD) |
$3.3M
+33.6% YoY — QoQ |
+$788K | $2.6M | $9.0M | $40.4M | 74% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.