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Community Bank of Parkersburg

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

Parkersburg, WV

4 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 +7.5% year over year ($262.6M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.36%.
  • Efficiency ratio 68.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.06% 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) →

Community Bank of Parkersburg has 3 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

  • + Non-Interest-Bearing Deposit Share 13.78% above tier average
  • + Net Interest Margin 0.18% above tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 22.0% in tier
  • - Capital Thin: Bottom 22.7% in tier
  • - Efficiency Ratio 4.31% above tier average
Get updates when Community Bank of Parkersburg releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $340.3M
+2.7% YoY +4.5% QoQ
-$46.2M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $265.4M
-2.0% YoY +0.9% QoQ
+$7.0M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $262.6M
+7.5% YoY +6.7% QoQ
-$64.1M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 1.36%
+17.1% YoY -3.9% QoQ
+0.04% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
57%
Net Interest Margin ? 4.17%
+10.0% YoY +1.6% QoQ
+0.18% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 68.79%
-2.9% YoY +1.9% QoQ
+4.31% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.41%
-10.3% YoY -14.3% QoQ
-0.51% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 101.06%
-8.8% YoY -5.5% QoQ
+23.10% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
Bottom 8.9% in tier
Non-Interest-Bearing Deposit Share ? 35.81%
+21.8% YoY +16.8% QoQ
+13.78% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
Top 9.0% in tier
Nonperforming Asset Ratio ? 0.32%
-39.6% YoY -33.7% QoQ
-0.35% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 9.92%
+7.2% YoY +1.1% QoQ
-5.99% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
Bottom 9.5% in tier
Non-Interest Income / Assets ? 0.32%
-6.4% YoY +81.5% QoQ
-0.24% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
76%

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 35.8%
+6.4pp YoY
+5.2pp QoQ
 +13.7pp 22.1% 27.1% 22.2% 91%
Brokered Deposits 5.0%
-0.4pp YoY
-0.3pp QoQ
 -2.9pp 7.9% 3.0% 8.5% 51%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 7.5%
-1.0pp YoY
+0.4pp QoQ
 -4.1pp 11.6% 7.1% 12.5% 36%
CRE 24.8%
+1.2pp YoY
+0.2pp QoQ
 -14.8pp 39.5% 33.8% 41.4% 26%
1-4 Family 62.1%
+0.5pp YoY
-0.3pp QoQ
 +29.4pp 32.6% 52.8% 31.3% 91%
Consumer 6.5%
-0.5pp YoY
-0.3pp QoQ
 +2.4pp 4.1% 7.9% 5.0% 84%

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 9.9%
+0.7pp YoY
+0.1pp QoQ
 -2.3pp 12.2% 11.6% 12.6% 29%
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 69
0 YoY
+2 (+3.0%) QoQ
 +10 58 161 482 70%
Assets per Employee ($) $4.9M
+2.7% YoY
+1.5% QoQ
 -$2.6M $7.5M $6.1M $8.8M 14%
Branch Count 4
0 YoY
0 QoQ
 -1 4 13 18 42%

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 0.4%
0.0pp YoY
-0.1pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 47%
Allowance Coverage 2.33x
+36.2% YoY
+17.9% QoQ
 -21.83x 24.15x 6.60x 20.23x 52%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 14.3%
+1.4pp YoY
-0.4pp QoQ
 +2.1pp 12.2% 10.6% 11.6% 64%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
-0.1pp QoQ
 -0.3pp 1.7% 1.5% 1.7% 32%
Net Income ($, YTD) $2.2M
+18.2% YoY
— QoQ
 -$320K $2.6M $9.0M $40.4M 57%

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 (2)

Liquidity Strain

risk
#153 of 691 • Bottom 22.0% 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: 101.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk
#151 of 661 • Bottom 22.7% 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: 9.92%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (2 metrics)

238
Non-Interest-Bearing Deposit Share
funding
Value: 35.81%
Peer Median: 22.03%
#238 of 2643 Top 9.0% in $100M-$1B
639
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (2 metrics)

2410
Loan-to-Deposit Ratio
liquidity
Value: 101.06%
Peer Median: 77.95%
#2410 of 2643 Bottom 8.9% in $100M-$1B
2392
Tier 1 Capital Ratio
capital
Value: 9.92%
Peer Median: 15.91%
#2392 of 2643 Bottom 9.5% in $100M-$1B
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