Institution Profile
Branches by Region
WV 7
Financial Overview
Total Assets
$407.14M
Total Deposits
$356.81M
Total Loans
$309.74M
Equity Capital
$43.22M
Employees
81
Allowance for Loan Losses
$3.62M
Performance Ratios
Net Worth Ratio
10.62%
Loan-to-Deposit Ratio
86.81%
Coverage Ratio
1.17% Allowance / Total Loans
Net Income
$2.55M
Return on Assets (ROA)
1.27%
Return on Equity (ROE)
11.95%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Projected Assets
Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters
Projected Assets
Scenario projections from 1Y, 2Y, and 3Y CAGR lookbacks over the next 12 quarters
Projected Assets (12 Quarters)
1Y CAGR Scenario: +8.04% 2Y CAGR Scenario: +8.61% 3Y CAGR Scenario: +7.60%
Employee Growth
Employee Growth
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$120.37M 38.9%
Commercial Real Estate
$105.51M 34.1%
Construction
$28.80M 9.3%
Commercial & Industrial
$18.37M 5.9%
Multifamily
$9.39M 3.0%
Other Consumer
$8.76M 2.8%
Farmland
$7.72M 2.5%
Municipal
$4.87M 1.6%
Auto Loans
$4.80M 1.6%
Agricultural
$1.09M 0.4%
Portfolio Distribution
SBA 7(a) Loan Originations
Quarterly SBA origination activity and guaranteed exposure
SBA 7(a) Originations vs Cancellations per Quarter
SBA 7(a) Approved vs Guaranteed vs Cancelled Dollars
Net Income Trend
Net Income Trend
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2026 Q2 | $407.14M | $356.81M | $309.74M | $2.55M | 81 |
| 2026 Q1 | $396.87M | $343.13M | $303.12M | $1.23M | 79 |
| 2025 Q4 | $396.73M | $343.33M | $302.58M | $3.67M | 82 |
| 2025 Q3 | $379.66M | $327.54M | $295.77M | $2.78M | 79 |
| 2025 Q2 | $376.85M | $324.88M | $290.53M | $1.84M | 80 |
| 2025 Q1 | $366.18M | $310.82M | $282.70M | $917,000 | 76 |
| 2024 Q4 | $359.31M | $304.81M | $281.33M | $3.31M | 76 |
| 2024 Q3 | $355.91M | $301.32M | $273.27M | $2.20M | 74 |
| 2024 Q2 | $345.17M | $291.70M | $270.27M | $1.43M | 78 |
| 2024 Q1 | $340.59M | $287.72M | $261.35M | $642,000 | 78 |
| 2023 Q4 | $337.44M | $284.58M | $256.96M | $2.50M | 77 |
| 2023 Q3 | $333.29M | $281.50M | $248.54M | $1.70M | 77 |
| 2023 Q2 | $326.83M | $280.66M | $238.54M | $1.13M | 77 |
| 2023 Q1 | $310.26M | $272.43M | $227.93M | $479,000 | 80 |
| 2022 Q4 | $328.34M | $277.40M | $227.38M | $2.60M | 79 |
| 2022 Q3 | $317.19M | $277.08M | $221.43M | $1.93M | 77 |
| 2022 Q2 | $323.06M | $282.78M | $213.59M | $1.25M | 78 |
| 2022 Q1 | $317.69M | $275.44M | $207.39M | $584,000 | 78 |
| 2021 Q4 | $319.16M | $274.63M | $206.38M | $3.07M | 78 |
| 2021 Q3 | $317.44M | $273.44M | $208.66M | $2.49M | 77 |
| 2021 Q2 | $318.02M | $274.43M | $211.39M | $1.43M | 77 |
| 2021 Q1 | $309.69M | $265.61M | $213.41M | $635,000 | 79 |
| 2020 Q4 | $293.04M | $248.23M | $208.10M | $2.27M | 78 |
| 2020 Q3 | $285.99M | $241.50M | $212.89M | $1.59M | 75 |
| 2020 Q2 | $280.23M | $235.47M | $211.70M | $1.07M | 74 |
| 2020 Q1 | $265.56M | $220.47M | $201.37M | $583,000 | 74 |