D
Hancock County Savings Bank, F.S.B.
ChesterWV
Rating Date
June 2025
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Major Rating Factors: Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 36.0 and a capital leverage ratio of 17.9. A current level of 2.4 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (9.1).
Asset Mix: Home mtgs (76%), cash (9%), home eq lns (4%), securities (4%), consumer loans (3%), comm re (2%), comm loans (0%), other (2%)
States with Branches: WV
Asset Quality
Non-Performing Loans to Capital
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Hot Money
Corporate Info
Group Affiliation
Investment Rating
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Address
351 Carolina Avenue
Chester, WV 26034
Phone Number
(304) 387-1620
Year Founded
1899
FDIC Number
Largest Affiliates
No affiliate information available.