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Logan Bank & Trust Company

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

Logan, WV

6 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 -0.2% year over year ($326.4M on the books).
  • Delinquency rate 0.46%.
  • Return on assets 2.24%.
  • Efficiency ratio 44.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 55.22% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV
View $100M-$1B leaderboard (WV) →

Logan Bank & Trust Company has 4 strengths but faces 3 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

  • + Profitability Leader: Top 5.9% in tier
  • + Revenue Diversifier: Top 8.0% in tier
  • + Efficiency Ratio 19.65% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 14.7% in tier
  • - Credit Quality Pressure: Bottom 33.8% in tier
  • - Net Interest Margin 0.64% below tier average
Get updates when Logan Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $359.2M
+2.1% YoY -0.6% QoQ
-$27.4M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $180.2M
+3.5% YoY +1.3% QoQ
-$78.1M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $326.4M
-0.2% YoY -1.1% QoQ
-$316K $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 2.24%
+67.6% YoY +60.8% QoQ
+0.92% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
Top 8.0% in tier
Net Interest Margin ? 3.34%
+2.2% YoY +2.1% QoQ
-0.64% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 44.83%
-17.0% YoY -15.5% QoQ
-19.65% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
Top 8.7% in tier
Delinquency Rate ? 0.46%
+55.4% YoY +12.4% QoQ
-0.46% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 55.22%
+3.7% YoY +2.4% QoQ
-22.74% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
Top 12.6% in tier
Non-Interest-Bearing Deposit Share ? 28.96%
-0.1% YoY +1.6% QoQ
+6.93% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.23%
-43.3% YoY +14.5% QoQ
-0.44% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 11.73%
+10.5% YoY +6.1% QoQ
-4.18% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
32%
Non-Interest Income / Assets ? 0.79%
+131.2% YoY +369.0% QoQ
+0.22% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
Top 4.8% in tier

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 29.0%
0.0pp YoY
+0.5pp QoQ
 +6.8pp 22.1% 27.1% 22.2% 79%
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 17.4%
-3.2pp YoY
-1.4pp QoQ
 +5.8pp 11.6% 7.1% 12.5% 83%
CRE n/a n/a 39.5% 33.8% 41.4% n/a
1-4 Family 61.4%
+3.0pp YoY
+0.9pp QoQ
 +28.8pp 32.6% 52.8% 31.3% 91%
Consumer 7.2%
-0.3pp YoY
+0.4pp QoQ
 +3.0pp 4.1% 7.9% 5.0% 86%

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 11.7%
+1.1pp YoY
+0.7pp QoQ
 -0.4pp 12.2% 11.6% 12.6% 62%
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 50
+1 (+2.0%) YoY
+2 (+4.2%) QoQ
 -9 58 161 482 53%
Assets per Employee ($) $7.2M
+0.1% YoY
-4.6% QoQ
 -$335K $7.5M $6.1M $8.8M 56%
Branch Count 6
0 YoY
0 QoQ
 +1 4 13 18 66%

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 0.5%
+0.2pp YoY
+0.1pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 51%
Allowance Coverage 1.92x
-29.8% YoY
-10.8% QoQ
 -22.23x 24.15x 6.60x 20.23x 46%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 59%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 26.5%
+5.8pp YoY
+9.6pp QoQ
 +14.3pp 12.2% 10.6% 11.6% 97%
Cost of Funds (YTD) 1.1%
0.0pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.5% 1.7% 14%
Net Income ($, YTD) $4.0M
+70.8% YoY
— QoQ
 +$1.5M $2.6M $9.0M $40.4M 81%

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 (2)

Profitability Leader

growth
#40 of 661 • Top 5.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.24%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Revenue Diversifier

growth
#54 of 661 • Top 8.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.79%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.24%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#139 of 936 • Bottom 14.7% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#426 of 1256 • Bottom 33.8% in tier

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

Why this signature
Delinquency Rate: 0.46%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

128
Non-Interest Income / Assets
revenue_mix
Value: 0.79%
Peer Median: 0.57%
#128 of 2643 Top 4.8% in $100M-$1B
213
Return on Assets
profitability
Value: 2.24%
Peer Median: 1.32%
#213 of 2643 Top 8.0% in $100M-$1B
231
Efficiency Ratio
profitability
Value: 44.83%
Peer Median: 64.48%
#231 of 2643 Top 8.7% in $100M-$1B
335
Loan-to-Deposit Ratio
liquidity
Value: 55.22%
Peer Median: 77.95%
#335 of 2643 Top 12.6% in $100M-$1B
555
Non-Interest-Bearing Deposit Share
funding
Value: 28.96%
Peer Median: 22.03%
#555 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (1 metrics)

2079
Net Interest Margin
profitability
Value: 3.34%
Peer Median: 3.99%
#2079 of 2643 Bottom 21.4% in $100M-$1B
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