Institution Profile
Branches by Region
WV 6 VA 2
Financial Overview
Total Assets
$362.67M
Total Deposits
$295.24M
Total Loans
$252.69M
Equity Capital
$41.01M
Employees
60
Allowance for Loan Losses
$2.71M
Performance Ratios
Net Worth Ratio
11.31%
Loan-to-Deposit Ratio
85.59%
Coverage Ratio
1.07% Allowance / Total Loans
Net Income
$2.23M
Return on Assets (ROA)
0.62%
Return on Equity (ROE)
5.73%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +18.17% Total Deposits: +13.77% Total Loans: +17.31% since 2020 Q1
Employee Growth
Employee Growth
Employees: -13.04% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Commercial Real Estate
$126.34M 49.9%
1-4 Family Residential
$83.81M 33.1%
Multifamily
$23.59M 9.3%
Construction
$7.63M 3.0%
Commercial & Industrial
$5.12M 2.0%
Farmland
$4.65M 1.8%
Other Consumer
$1.85M 0.7%
Municipal
$73,000 0.0%
Auto Loans
$31,000 0.0%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +317.98% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $362.67M | $295.24M | $252.69M | $2.23M | 60 |
| 2025 Q3 | $362.92M | $296.13M | $259.45M | $1.54M | 61 |
| 2025 Q2 | $359.46M | $303.89M | $259.62M | $989,000 | 60 |
| 2025 Q1 | $358.80M | $304.60M | $258.50M | $408,000 | 61 |
| 2024 Q4 | $360.38M | $300.63M | $262.83M | $1.08M | 63 |
| 2024 Q3 | $361.87M | $297.86M | $264.51M | $887,000 | 62 |
| 2024 Q2 | $366.33M | $301.42M | $268.48M | $668,000 | 63 |
| 2024 Q1 | $362.82M | $303.71M | $270.23M | $368,000 | 68 |
| 2023 Q4 | $360.72M | $294.18M | $270.53M | $1.43M | 68 |
| 2023 Q3 | $360.23M | $293.93M | $271.42M | $1.20M | 69 |
| 2023 Q2 | $359.01M | $299.55M | $267.80M | $868,000 | 68 |
| 2023 Q1 | $361.61M | $305.98M | $268.67M | $407,000 | 67 |
| 2022 Q4 | $358.47M | $304.61M | $260.57M | $2.57M | 70 |
| 2022 Q3 | $355.01M | $303.13M | $255.00M | $1.94M | 67 |
| 2022 Q2 | $350.34M | $303.01M | $239.81M | $1.66M | 69 |
| 2022 Q1 | $349.74M | $301.76M | $247.39M | $725,000 | 68 |
| 2021 Q4 | $349.18M | $298.96M | $232.83M | $3.23M | 66 |
| 2021 Q3 | $345.44M | $294.93M | $224.79M | $3.06M | 70 |
| 2021 Q2 | $339.06M | $289.58M | $235.37M | $1.79M | 69 |
| 2021 Q1 | $332.36M | $283.40M | $239.40M | $756,000 | 69 |
| 2020 Q4 | $321.85M | $273.30M | $225.58M | $2.40M | 68 |
| 2020 Q3 | $322.67M | $274.36M | $225.69M | $1.58M | 68 |
| 2020 Q2 | $322.93M | $274.56M | $223.14M | $957,000 | 66 |
| 2020 Q1 | $306.90M | $259.50M | $215.41M | $534,000 | 69 |