The Pleasants County Bank: how it compares with its peers
Against 8 WV banks with half to twice its assets, The Pleasants County Bank's strongest measure in Q2 2026 is assets per employee ($6.1M vs. a $5.3M peer median). Its weakest relative measure is return on assets (0.66% vs. 0.81%).
| Measure | The Pleasants County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.66% | 0.81% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.77% | 3.91% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.93% | 71.20% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $5.3M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.24% | 57.81% | Context |
What it means for lending operations
Its efficiency ratio of 73.93% is above the 71.20% 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
- The First National Bank of Peterstown Peterstown, 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 Pleasants County Bank
How big is The Pleasants County Bank?
The Pleasants County Bank, established in 1896, is headquartered in Saint Marys, WV. It reported $85M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Pleasants County Bank's return on assets?
0.66% annualized in Q2 2026, against a 0.81% median for 8 WV banks with half to twice its assets, ahead of 38% of them.
What is The Pleasants County Bank's efficiency ratio?
73.93% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 71.20%, and lower is better.
Is The Pleasants County Bank growing its loans?
Net loans grew 15.9% over the year to Q2 2026, while deposits grew 10.8%.
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.