Calhoun County Bank, Inc.: how it compares with its peers
Against 21 WV banks with half to twice its assets, Calhoun County Bank, Inc.'s strongest measure in Q2 2026 is return on assets (1.38% vs. a 0.99% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $5.3M).
| Measure | Calhoun County Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 0.99% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 4.01% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.19% | 68.79% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $5.3M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.23% | 81.43% | Context |
What it means for lending operations
Its efficiency ratio of 60.19% is better than the 68.79% 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
- Mountain Valley Bank, N.A. Elkins, WV · $202M
- Pioneer Community Bank, Inc. Iaeger, WV · $191M
- Williamstown Bank, Inc. Williamstown, WV · $237M
- Capon Valley Bank Wardensville, WV · $244M
- The Bank of Monroe Union, WV · $255M
- The Harrison County Bank Lost Creek, WV · $165M
Questions about Calhoun County Bank, Inc.
How big is Calhoun County Bank, Inc.?
Calhoun County Bank, Inc., established in 1900, is headquartered in Grantsville, WV. It reported $212M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Calhoun County Bank, Inc.'s return on assets?
1.38% annualized in Q2 2026, against a 0.99% median for 21 WV banks with half to twice its assets, ahead of 81% of them.
What is Calhoun County Bank, Inc.'s efficiency ratio?
60.19% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 68.79%, and lower is better.
Is Calhoun County Bank, Inc. growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits grew 4.5%.
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.