Pendleton Community Bank, Inc.: how it compares with its peers
Against 10 WV banks with half to twice its assets, Pendleton Community Bank, Inc.'s strongest measure in Q2 2026 is net interest margin (4.43% vs. a 3.76% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 1.03% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 3.76% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.91% | 62.52% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.8M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.19% | 84.12% | Context |
What it means for lending operations
Its efficiency ratio of 62.91% is better than the 62.52% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- CNB Bank, Inc. Berkeley Springs, WV · $806M
- Citizens Bank of West Virginia, Inc. Elkins, WV · $772M
- Potomac Bank Charles Town, WV · $980M
- Putnam County Bank Hurricane, WV · $704M
- Clear Mountain Bank Bruceton Mills, WV · $1.03B
- The Poca Valley Bank, Inc. Walton, WV · $666M
Questions about Pendleton Community Bank, Inc.
How big is Pendleton Community Bank, Inc.?
Pendleton Community Bank, Inc., established in 1925, is headquartered in Franklin, WV. It reported $850M in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is Pendleton Community Bank, Inc.'s return on assets?
1.23% annualized in Q2 2026, against a 1.03% median for 10 WV banks with half to twice its assets, ahead of 60% of them.
What is Pendleton Community Bank, Inc.'s efficiency ratio?
62.91% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 62.52%, and lower is better.
Is Pendleton Community Bank, Inc. growing its loans?
Net loans grew 10.3% over the year to Q2 2026, while deposits grew 4.4%.
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.