BlastPoint's Banking Scorecard

Pendleton Community Bank, Inc.

$100M-$1B Specialty: Commercial WV FDIC cert 6176

Franklin, WV

16 branches across WV · VA

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

Pendleton Community Bank, Inc. shows strong momentum with 3 strengths and 5.4% YoY asset growth

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

+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 1.16% below tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Pendleton Community Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$825.0M +5.4% YoY +1.3% QoQ	+$438.9M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	Top 7.2% in tier
Total Loans ?	$685.3M +10.6% YoY +1.3% QoQ	+$429.6M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	Top 2.9% in tier
Total Deposits ?	$707.3M +3.7% YoY +1.1% QoQ	+$379.4M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	Top 6.3% in tier
Return on Assets ?	1.24% +56.1% YoY +23.2% QoQ	-0.03%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	4.36% +10.6% YoY +3.4% QoQ	+0.43%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	64.12% -7.5% YoY -0.1% QoQ	-1.16%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.64% -0.2% YoY -2.9% QoQ	-0.25%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	96.89% +6.7% YoY +0.2% QoQ	+20.25%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	Bottom 12.7% in tier
Non-Interest-Bearing Deposit Share ?	23.84% +2.0% YoY -1.9% QoQ	+1.82%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.60% -0.6% YoY -2.7% QoQ	-0.03%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	10.66% -0.9% YoY +1.1% QoQ	-5.17%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.14% +1.3% YoY -75.9% QoQ	-0.14%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	70%

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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 (0)

No matched concern signatures this quarter

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)

Total Loans

size

Value: $685.33M

Peer Median: $255.72M

#77 of 2664 Top 2.9% in $100M-$1B

170

Total Deposits

size

Value: $707.33M

Peer Median: $327.97M

#170 of 2664 Top 6.3% in $100M-$1B

193

Total Assets

size

Value: $825.03M

Peer Median: $386.08M

#193 of 2664 Top 7.2% in $100M-$1B

638

Net Interest Margin

profitability

Value: 4.36%

Peer Median: 3.93%

#638 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2327

Loan-to-Deposit Ratio

liquidity

Value: 96.89%

Peer Median: 76.64%

#2327 of 2664 Bottom 12.7% in $100M-$1B

2173

Tier 1 Capital Ratio

capital

Value: 10.66%

Peer Median: 15.83%

#2173 of 2664 Bottom 18.5% in $100M-$1B