BlastPoint's Banking Scorecard

Hancock County Savings Bank, F.S.B.

$100M-$1B Specialty: Mortgage WV FDIC cert 29035

Designations: ✓ Mutual

Chester, WV

3 branches across WV

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

Hancock County Savings Bank, F.S.B. has 2 strengths but faces 7 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

+ Efficiency Ratio 1.18% below tier average
+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.8% in tier
- Credit Risk Growth: Bottom 8.2% in tier
- Credit Quality Pressure: Bottom 45.4% in tier
- Flatlined Growth: Bottom 46.7% in tier
- Non-Interest-Bearing Deposit Share 12.58% below tier average
- ROA 0.22% below tier average
- Net Interest Margin 0.33% below tier average

Get updates when Hancock County Savings Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$496.9M +0.8% YoY +3.0% QoQ	+$110.8M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$426.2M +1.3% YoY -0.2% QoQ	+$170.5M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$391.1M +0.5% YoY +3.5% QoQ	+$63.1M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	1.05% +38.2% YoY +34.0% QoQ	-0.22%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	3.60% +14.2% YoY +5.5% QoQ	-0.33%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	64.10% -7.9% YoY -7.7% QoQ	-1.18%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.77% +45.6% YoY -3.2% QoQ	-0.12%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	108.99% +0.8% YoY -3.6% QoQ	+32.35%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ?	9.44% +1.6% YoY -3.9% QoQ	-12.58%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	Bottom 9.7% in tier
Nonperforming Asset Ratio ?	0.84% +68.9% YoY +8.2% QoQ	+0.20%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	35.82% +3.2% YoY +1.5% QoQ	+19.99%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	Top 2.3% in tier
Non-Interest Income / Assets ?	0.08% -10.5% YoY -78.6% QoQ	-0.20%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	39%

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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 (4)

Liquidity Overhang

risk

#7 of 739 • Bottom 0.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 35.82%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 108.99%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#81 of 973 • Bottom 8.2% 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

#595 of 1308 • Bottom 45.4% in tier

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

Why this signature

Delinquency Rate: 0.77%

(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

Flatlined Growth

risk

#240 of 512 • Bottom 46.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.05%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 35.82%

Peer Median: 15.83%

#61 of 2664 Top 2.3% in $100M-$1B

477

Total Loans

size

Value: $426.21M

Peer Median: $255.72M

#477 of 2664 Top 17.9% in $100M-$1B

Top Weaknesses (3 metrics)

2578

Loan-to-Deposit Ratio

liquidity

Value: 108.99%

Peer Median: 76.64%

#2578 of 2664 Bottom 3.3% in $100M-$1B

2406

Non-Interest-Bearing Deposit Share

funding

Value: 9.44%

Peer Median: 22.02%

#2406 of 2664 Bottom 9.7% in $100M-$1B

2013

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2013 of 2664 Bottom 24.5% in $100M-$1B