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Calhoun County Bank, Inc.

$100M-$1B Specialty: Mortgage WV FDIC cert 9024

Designations: ✓ CDFI-certified

Grantsville, 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 +4.5% year over year ($188.3M on the books).
  • Delinquency rate 0.59%.
  • Return on assets 1.38%.
  • Efficiency ratio 60.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.23% 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) →

Calhoun County Bank, Inc. has 4 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

  • + ROA 0.05% above tier average
  • + Net Interest Margin 0.40% above tier average
  • + Efficiency Ratio 4.29% below tier average
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 31.8% in tier
  • - Credit Risk Growth: Bottom 32.0% in tier
Get updates when Calhoun County Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $211.7M
+5.1% YoY +0.7% QoQ
-$174.8M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $141.6M
+7.6% YoY +4.6% QoQ
-$116.7M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $188.3M
+4.5% YoY +0.5% QoQ
-$138.5M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.38%
+58.4% YoY +12.9% QoQ
+0.05% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 4.38%
+7.3% YoY +4.4% QoQ
+0.40% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 60.19%
-17.9% YoY -4.9% QoQ
-4.29% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.59%
+20.1% YoY +2.8% QoQ
-0.33% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 75.23%
+2.9% YoY +4.1% QoQ
-2.73% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 32.05%
-0.2% YoY +2.7% QoQ
+10.02% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
Top 14.4% in tier
Nonperforming Asset Ratio ? 0.40%
+22.9% YoY +6.8% QoQ
-0.27% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 10.48%
-44.7% YoY -0.0% QoQ
-5.43% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.23%
-3.5% YoY +101.5% QoQ
-0.34% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
59%

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 32.0%
-0.1pp YoY
+0.8pp QoQ
 +9.9pp 22.1% 27.1% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 3.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 4.8%
-0.7pp YoY
0.0pp QoQ
 -6.7pp 11.6% 7.1% 12.5% 19%
CRE n/a n/a 39.5% 33.8% 41.4% n/a
1-4 Family 71.1%
+2.2pp YoY
-0.1pp QoQ
 +38.5pp 32.6% 52.8% 31.3% 94%
Consumer 15.8%
0.0pp YoY
+0.1pp QoQ
 +11.6pp 4.1% 7.9% 5.0% 96%

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 10.5%
+0.2pp YoY
0.0pp QoQ
 -1.7pp 12.2% 11.6% 12.6% 41%
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 40
+1 (+2.6%) YoY
0 QoQ
 -19 58 161 482 41%
Assets per Employee ($) $5.3M
+2.5% YoY
+0.7% QoQ
 -$2.2M $7.5M $6.1M $8.8M 19%
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 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 49%
Nonaccrual 0.5%
+0.2pp YoY
0.0pp QoQ
 -0.4pp 0.9% 0.7% 1.0% 52%
Allowance Coverage 2.28x
-26.0% YoY
-7.1% QoQ
 -21.88x 24.15x 6.60x 20.23x 51%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 13.8%
+4.7pp YoY
+1.4pp QoQ
 +1.6pp 12.2% 10.6% 11.6% 60%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.5% 1.7% 14%
Net Income ($, YTD) $1.5M
+67.9% YoY
— QoQ
 -$1.1M $2.6M $9.0M $40.4M 41%

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)

Credit Quality Pressure

risk
#401 of 1256 • Bottom 31.8% in tier

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

Why this signature
Delinquency Rate: 0.59%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#301 of 936 • Bottom 32.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

381
Non-Interest-Bearing Deposit Share
funding
Value: 32.05%
Peer Median: 22.03%
#381 of 2643 Top 14.4% in $100M-$1B

Top Weaknesses (1 metrics)

2212
Tier 1 Capital Ratio
capital
Value: 10.48%
Peer Median: 15.91%
#2212 of 2643 Bottom 16.3% in $100M-$1B
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