Institution Profile
Address: 128 N Main St Franklin, WV 26807
Website:
FDIC Profile:
Established:
10/5/1925
Branches:
15
Branches by Region
WV 8 VA 7
Financial Overview
Total Assets
$814.28M
Total Deposits
$699.36M
Total Loans
$682.37M
Equity Capital
$69.85M
Employees
144
Allowance for Loan Losses
$6.15M
Performance Ratios
Net Worth Ratio
8.58%
Loan-to-Deposit Ratio
97.57%
Coverage Ratio
0.90% Allowance / Total Loans
Net Income
$7.99M
Return on Assets (ROA)
1.01%
Return on Equity (ROE)
12.21%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +81.19% Total Deposits: +76.91% Total Loans: +108.21% since 2020 Q1
Employee Growth
Employee Growth
Employees: +23.08% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$221.30M 34.0%
Commercial Real Estate
$131.55M 20.2%
Auto Loans
$117.34M 18.0%
Construction
$49.93M 7.7%
Commercial & Industrial
$35.84M 5.5%
Other Consumer
$28.36M 4.4%
Multifamily
$27.18M 4.2%
Farmland
$26.76M 4.1%
Municipal
$8.08M 1.2%
Agricultural
$4.57M 0.7%
Portfolio Distribution
SBA 7(a) Loan Originations
Quarterly SBA origination activity and guaranteed exposure
SBA 7(a) Originations vs Cancellations per Quarter
Approved: +0.00% since 2020 Q1
SBA 7(a) Approved vs Guaranteed vs Cancelled Dollars
Approved: +333.51% Guaranteed: +566.93% since 2020 Q1
Net Income Trend
Net Income Trend
Net Income: +1017.62% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $814.28M | $699.36M | $682.37M | $7.99M | 144 |
| 2025 Q3 | $805.58M | $700.27M | $647.51M | $5.31M | 138 |
| 2025 Q2 | $790.10M | $688.20M | $645.50M | $3.35M | 144 |
| 2025 Q1 | $782.50M | $682.27M | $624.78M | $1.55M | 142 |
| 2024 Q4 | $778.19M | $666.97M | $627.76M | $5.77M | 139 |
| 2024 Q3 | $779.81M | $667.12M | $618.65M | $4.04M | 141 |
| 2024 Q2 | $765.47M | $651.56M | $607.37M | $2.47M | 146 |
| 2024 Q1 | $764.41M | $646.26M | $601.56M | $1.17M | 142 |
| 2023 Q4 | $734.26M | $619.41M | $589.86M | $5.86M | 143 |
| 2023 Q3 | $749.21M | $635.04M | $593.87M | $4.44M | 139 |
| 2023 Q2 | $727.04M | $610.25M | $579.46M | $2.84M | 138 |
| 2023 Q1 | $697.74M | $600.29M | $537.30M | $1.44M | 138 |
| 2022 Q4 | $658.25M | $581.22M | $508.19M | $6.49M | 137 |
| 2022 Q3 | $643.46M | $586.60M | $456.94M | $4.57M | 135 |
| 2022 Q2 | $641.00M | $584.11M | $450.23M | $2.81M | 131 |
| 2022 Q1 | $642.25M | $582.41M | $388.53M | $1.21M | 127 |
| 2021 Q4 | $627.83M | $565.55M | $372.39M | $5.18M | 127 |
| 2021 Q3 | $624.77M | $561.66M | $365.48M | $3.64M | 129 |
| 2021 Q2 | $619.91M | $558.53M | $359.48M | $2.61M | 134 |
| 2021 Q1 | $540.42M | $482.24M | $347.86M | $1.33M | 117 |
| 2020 Q4 | $515.13M | $457.72M | $373.72M | $4.90M | 118 |
| 2020 Q3 | $506.18M | $448.30M | $376.04M | $3.51M | 119 |
| 2020 Q2 | $491.11M | $434.73M | $354.67M | $2.19M | 117 |
| 2020 Q1 | $449.40M | $395.32M | $327.72M | $715,000 | 117 |