BlastPoint's Banking Scorecard

The First National Bank of Peterstown

under $100M Specialty: Other WV FDIC cert 6787

Designations: ✓ Community bank

Peterstown, WV

2 branches across VA · WV

541 banks in the under $100M peer group nationally 4 in WV

The First National Bank of Peterstown demonstrates 5 strengths

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 23.57% above tier average
+ ROA 0.48% above tier average
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 23.38% below tier average
+ Delinquency Rate 1.13% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$86.2M -0.3% YoY +2.5% QoQ	+$24.0M	$62.2M -0.6% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$36.9M -1.1% YoY -2.5% QoQ	+$2.6M	$34.2M -1.4% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$75.4M -1.6% YoY +2.6% QoQ	+$23.6M	$51.7M -0.7% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.31% +14.5% YoY +34.0% QoQ	+0.48%	0.84% -2.3% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	3.95% +11.8% YoY +6.1% QoQ	+0.09%	3.86% +2.8% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	64.97% -2.4% YoY -5.5% QoQ	-23.38%	88.34% +0.3% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	0.25% -72.2% YoY -88.0% QoQ	-1.13%	1.37% +33.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	48.91% +0.5% YoY -5.0% QoQ	-15.31%	64.22% -0.7% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	47.29% +4.7% YoY +1.7% QoQ	+23.57%	23.71% +0.3% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	Top 4.8% in tier
Nonperforming Asset Ratio ?	0.11% -72.4% YoY -88.6% QoQ	-0.68%	0.79% +28.2% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	28.61% +5.5% YoY +3.1% QoQ	+1.93%	26.68% +2.0% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.19% -10.2% YoY -78.2% QoQ	-0.48%	0.67% +1.9% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	Top 12.4% in tier

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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 541 peers in under $100M

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 47.29%

Peer Median: 23.71%

#27 of 541 Top 4.8% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.67%

#68 of 541 Top 12.4% in under $100M

Tier 1 Capital Ratio

capital

Value: 28.61%

Peer Median: 26.68%

#91 of 541 Top 16.6% in under $100M

Total Deposits

size

Value: $75.36M

Peer Median: $51.74M

#93 of 541 Top 17.0% in under $100M

108

Total Assets

size

Value: $86.16M

Peer Median: $62.16M

#108 of 541 Top 19.8% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available