BlastPoint's Banking Scorecard

Logan Bank & Trust Company

$100M-$1B Specialty: Other WV FDIC cert 19285

Logan, WV

6 branches across WV

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

Logan Bank & Trust Company has 3 strengths but faces 4 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

+ ROA 0.12% above tier average
+ Efficiency Ratio 12.25% below tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.7% in tier
- Credit Quality Pressure: Bottom 26.9% in tier
- Capital Thin: Bottom 33.3% in tier
- Net Interest Margin 0.66% below tier average

Get updates when Logan Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$361.5M +0.7% YoY +0.4% QoQ	-$24.6M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$178.0M +3.3% YoY -2.1% QoQ	-$77.8M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$330.1M -1.3% YoY +0.1% QoQ	+$2.1M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	1.39% +4.2% YoY +7.1% QoQ	+0.12%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	3.27% +3.3% YoY -1.0% QoQ	-0.66%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	53.04% -1.6% YoY -5.4% QoQ	-12.25%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.41% +34.2% YoY +20.2% QoQ	-0.48%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	53.91% +4.6% YoY -2.2% QoQ	-22.73%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	Top 12.6% in tier
Non-Interest-Bearing Deposit Share ?	28.49% -0.4% YoY -2.3% QoQ	+6.47%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.20% +11.2% YoY +17.2% QoQ	-0.44%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	11.06% +6.0% YoY +2.0% QoQ	-4.77%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.17% +4.6% YoY -74.4% QoQ	-0.11%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	79%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#86 of 973 • Bottom 8.7% 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 | QoQ rank improving

Credit Quality Pressure

risk

#353 of 1308 • Bottom 26.9% in tier

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

Why this signature

Delinquency Rate: 0.41%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk

#223 of 666 • Bottom 33.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.06%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (4 metrics)

337

Loan-to-Deposit Ratio

liquidity

Value: 53.91%

Peer Median: 76.64%

#337 of 2664 Top 12.6% in $100M-$1B

564

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#564 of 2664 Top 21.1% in $100M-$1B

581

Efficiency Ratio

profitability

Value: 53.04%

Peer Median: 65.29%

#581 of 2664 Top 21.8% in $100M-$1B

589

Non-Interest-Bearing Deposit Share

funding

Value: 28.49%

Peer Median: 22.02%

#589 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (2 metrics)

2113

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.93%

#2113 of 2664 Bottom 20.7% in $100M-$1B

2038

Tier 1 Capital Ratio

capital

Value: 11.06%

Peer Median: 15.83%

#2038 of 2664 Bottom 23.5% in $100M-$1B