C
The Pleasants County Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Pleasants County Bank
Saint Marys, WV
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Rating C
Asset Quality Index 7.80
Capitalization Index 8.10
Liquidity Index 3.30
Profitability Index 3.00
Stability Index 4.70
Company Info The Pleasants County Bank
Saint Marys, WV
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FDIC Number 847
Phone Number (304) 684-2227
Website www.pcbsm.com
Asset Quality The Pleasants County Bank
Saint Marys, WV
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1-Year Asset Growth 3.84%
5-Year Asset Growth 3.40%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 2.78%
Non-Performing Loans to Loans 0.32%
Balance Sheet The Pleasants County Bank
Saint Marys, WV
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Total Assets 77.71M
Total Deposits 69.78M
Capital and Reserves The Pleasants County Bank
Saint Marys, WV
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Capital 7.08M
Leverage Ratio 9.75
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio --
Liquidity The Pleasants County Bank
Saint Marys, WV
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Hot Money Ratio 22.29%
Liquidity Ratio 31.73%
Profitability The Pleasants County Bank
Saint Marys, WV
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5-Year Return on Average Assets 0.39%
Net Income 276.00K
Net Interest Spread 3.25%
Operating Profit to Average Assets 0.63%
Overhead Efficiency Ratio 81.41%
Return on Assets 0.48%
Return on Equity 5.50%