Huntington Federal Savings Bank: how it compares with its peers
Against 20 WV banks with half to twice its assets, Huntington Federal Savings Bank's strongest measure in Q2 2026 is assets per employee ($5.4M vs. a $6.3M peer median). Its weakest relative measure is return on assets (-0.38% vs. 1.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.38% | 1.14% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.50% | 3.98% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 134.83% | 63.53% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.3M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.39% | 85.35% | Context |
What it means for lending operations
Its efficiency ratio of 134.83% is above the 63.53% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Hancock County Savings Bank, F.S.B. Chester, WV · $508M
- Jefferson Security Bank Shepherdstown, WV · $566M
- Freedom Bank, Inc. Belington, WV · $430M
- Highlands Bank Petersburg, WV · $407M
- The Poca Valley Bank, Inc. Walton, WV · $666M
- First Exchange Bank White Hall, WV · $391M
Questions about Huntington Federal Savings Bank
How big is Huntington Federal Savings Bank?
Huntington Federal Savings Bank, established in 1929, is headquartered in Huntington, WV. It reported $532M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Huntington Federal Savings Bank's return on assets?
-0.38% annualized in Q2 2026, against a 1.14% median for 20 WV banks with half to twice its assets, ahead of 0% of them.
What is Huntington Federal Savings Bank's efficiency ratio?
134.83% in Q2 2026: it spent about 135 cents in noninterest expense for each dollar of revenue. The peer median is 63.53%, and lower is better.
Is Huntington Federal Savings Bank growing its loans?
Net loans grew 2.0% over the year to Q2 2026, while deposits shrank 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.