The Pleasants County Bank
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.8. A current level of 2.8 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 31.7 percent and a “hot money” ratio of 22.3 percent.
Asset Mix:
Home mtgs (31%), securities (22%), comm re (12%), cash (9%), comm loans (5%), consumer loans (3%), home eq lns (2%), other (15%)
States with Branches:
WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pleasants County Bankshares, Inc.
Investment Rating
--
Address
215 Washington Street
Saint Marys, WV 26170
Saint Marys, WV 26170
Phone Number
(304) 684-2227
Year Founded
1896
FDIC Number
Website
Largest Affiliates
No affiliate information available.