BlastPoint's Banking Scorecard

Community Bank of Parkersburg

$100M-$1B Specialty: Commercial WV FDIC cert 19681

Parkersburg, WV

4 branches across WV

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

Community Bank of Parkersburg 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 0.14% above tier average
+ Net Interest Margin 0.17% above tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 6.9% in tier
- Credit Quality Pressure: Bottom 22.5% in tier
- Liquidity Strain: Bottom 34.4% in tier
- Efficiency Ratio 2.22% above 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 ?	$325.7M -0.6% YoY +1.3% QoQ	-$60.4M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	50%
Total Loans ?	$263.0M -2.8% YoY -1.0% QoQ	+$7.3M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$246.0M +2.3% YoY +4.4% QoQ	-$82.0M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	1.41% +37.0% YoY +10.5% QoQ	+0.14%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	4.10% +10.1% YoY +3.4% QoQ	+0.17%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	67.50% -7.7% YoY -2.7% QoQ	+2.22%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.48% +6.7% YoY +39.7% QoQ	-0.41%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	106.89% -4.9% YoY -5.2% QoQ	+30.25%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	Bottom 3.9% in tier
Non-Interest-Bearing Deposit Share ?	30.66% +2.1% YoY +5.7% QoQ	+8.64%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.48% -8.8% YoY +2.3% QoQ	-0.16%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	9.82% +5.1% YoY +2.0% QoQ	-6.01%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	Bottom 7.5% in tier
Non-Interest Income / Assets ?	0.18% +13.2% YoY -76.3% QoQ	-0.10%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	81%

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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)

Capital Thin

risk

#47 of 666 • Bottom 6.9% 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: 9.82%

(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

Credit Quality Pressure

risk

#296 of 1308 • Bottom 22.5% in tier

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

Why this signature

Delinquency Rate: 0.48%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Strain

risk

#222 of 643 • Bottom 34.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 106.89%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 (2 metrics)

441

Non-Interest-Bearing Deposit Share

funding

Value: 30.66%

Peer Median: 22.02%

#441 of 2664 Top 16.5% in $100M-$1B

499

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#499 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (2 metrics)

2561

Loan-to-Deposit Ratio

liquidity

Value: 106.89%

Peer Median: 76.64%

#2561 of 2664 Bottom 3.9% in $100M-$1B

2466

Tier 1 Capital Ratio

capital

Value: 9.82%

Peer Median: 15.83%

#2466 of 2664 Bottom 7.5% in $100M-$1B