The First National Bank of Peterstown: how it compares with its peers
Against 8 WV banks with half to twice its assets, The First National Bank of Peterstown's strongest measure in Q2 2026 is return on assets (1.22% vs. a 0.71% peer median). Its weakest relative measure is net interest margin (3.89% vs. 3.85%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 0.71% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.85% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.95% | 73.65% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.3M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.83% | 62.50% | Context |
What it means for lending operations
Its efficiency ratio of 66.95% is better than the 73.65% 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
- The Pleasants County Bank Saint Marys, WV · $85M
- Citizens Bank of Morgantown, Inc. Morgantown, WV · $53M
- The First National Bank of Williamson Williamson, WV · $120M
- Clay County Bank, Inc. Clay, WV · $136M
- Whitesville State Bank Whitesville, WV · $138M
- Guaranty Bank Inc. Williamson, WV · $152M
Questions about The First National Bank of Peterstown
How big is The First National Bank of Peterstown?
The First National Bank of Peterstown, established in 1910, is headquartered in Peterstown, WV. It reported $85M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Peterstown's return on assets?
1.22% annualized in Q2 2026, against a 0.71% median for 8 WV banks with half to twice its assets, ahead of 88% of them.
What is The First National Bank of Peterstown's efficiency ratio?
66.95% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 73.65%, and lower is better.
Is The First National Bank of Peterstown growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits shrank 3.2%.
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.