BlastPoint's Banking Scorecard

The Pleasants County Bank

under $100M Specialty: Other WV FDIC cert 847

Designations: ✓ Community bank

Saint Marys, WV

2 branches across WV

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

The Pleasants County Bank has 3 strengths but faces 2 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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Efficiency Ratio 10.08% below tier average

Key Concerns

Areas that may need attention

- ROA 0.32% below tier average
- Net Interest Margin 0.26% below 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 ?	$82.2M +7.3% YoY +3.4% QoQ	+$19.9M	$62.3M -0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.0% YoY	73%
Total Loans ?	$46.3M +17.2% YoY +1.3% QoQ	+$12.1M	$34.3M -1.5% YoY	$864.0M +4.3% YoY	$3.2B +10.7% YoY	71%
Total Deposits ?	$74.3M +7.5% YoY +3.7% QoQ	+$22.4M	$51.8M -0.6% YoY	$1.0B +3.7% YoY	$4.8B +8.0% YoY	81%
Return on Assets ?	0.53% +130.3% YoY -2.5% QoQ	-0.32%	0.86% -3.6% YoY	0.95% +29.1% YoY	1.24% +13.1% YoY	31%
Net Interest Margin ?	3.61% +21.2% YoY +4.9% QoQ	-0.26%	3.87% +2.7% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	77.55% -14.4% YoY -3.5% QoQ	-10.08%	87.63% +2.3% YoY	70.57% -7.5% YoY	66.84% -3.8% YoY	39%
Delinquency Rate ?	0.00% -100.0% YoY	-1.36%	1.36% +33.7% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	62.40% +9.0% YoY -2.4% QoQ	-1.71%	64.11% -0.9% YoY	78.35% +1.2% YoY	76.69% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	32.26% -1.6% YoY -2.1% QoQ	+8.47%	23.79% +0.5% YoY	26.63% -0.0% YoY	22.01% -1.1% YoY	78%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.77%	0.77% +28.7% YoY	0.57% +21.1% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.65% -2.8% YoY +0.1% QoQ	-17.12%	26.77% +2.0% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	Bottom 4.3% in tier
Non-Interest Income / Assets ?	0.09% +11.5% YoY -74.4% QoQ	-0.58%	0.67% +1.6% YoY	0.14% -2.1% YoY	0.32% +4.0% YoY	65%

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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 537 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

104

Total Deposits

size

Value: $74.27M

Peer Median: $51.83M

#104 of 537 Top 19.2% in under $100M

117

Non-Interest-Bearing Deposit Share

funding

Value: 32.26%

Peer Median: 23.79%

#117 of 537 Top 21.6% in under $100M

Top Weaknesses (1 metrics)

515

Tier 1 Capital Ratio

capital

Value: 9.65%

Peer Median: 26.77%

#515 of 537 Bottom 4.3% in under $100M