Total Assets
$482M
Total balance-sheet footings
FDIC Cert #29035 · Chester, West Virginia · Est. 1899
Hancock County Savings Bank, F.S.B. - FDIC Bank Health Profile
A community-scale look at Hancock County Savings Bank, F.S.B.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $482M
- Total assets
- A
- Health grade · Excellent
- 0.78%
- Return on assets
- 35.3%
- Tier 1 capital
Data updated July 2026
The verdict
Hancock County Savings Bank, F.S.B. earns a PlainBankData health grade of A (82/100), with well-capitalized at 35.29% Tier 1, 0.78% ROA, 69% efficiency ratio.
- #1,834
- largest of 4,313 FDIC banks by assets
- 57th
- percentile by asset size, nationally
- 35.29%
- Tier 1 ratio - above the 10% well-capitalized line
- 28th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Hancock County Savings Bank, F.S.B.'s 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Hancock County Savings Bank, F.S.B.'s composite health score
Tier 1 Capital Ratio (35.29%) 40/40
Return on Assets (ROA) (0.78%) 14/25
Texas Ratio (3.57%) 20/20
Efficiency Ratio (69.44%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$378M
Customer-funded liabilities
Net Loans
$427M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hancock County Savings Bank, F.S.B. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hancock County Savings Bank, F.S.B.'s score of 82/100 falls in the highlighted band.
Hancock County Savings Bank, F.S.B.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Hancock County Savings Bank, F.S.B.'s $482M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
35.29% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
35.29%
Texas Ratio
3.57%
Equity Capital
$90M
Profitability metrics
Return on Assets (ROA)
28th percentile nationally
0.78%
Return on Equity (ROE)
4.31%
Efficiency Ratio
69.44%
What the numbers say about Hancock County Savings Bank, F.S.B.
Hancock County Savings Bank, F.S.B. is an FDIC-insured institution (Certificate #29035) headquartered in Chester, West Virginia, established in 1899. It holds $482M in total assets - 1,834th of 4,313 FDIC-insured banks, $378M in customer deposits, and $427M in net loans. On safety, its Tier 1 capital ratio of 35.29% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.57% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within West Virginia, Hancock County Savings Bank, F.S.B. ranks 13th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$22M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Hancock County Savings Bank, F.S.B. reports a Texas Ratio of 3.57% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.57% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hancock County Savings Bank, F.S.B. (FDIC Cert #29035) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is Hancock County Savings Bank, F.S.B.'s health grade?▼
Hancock County Savings Bank, F.S.B. receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Hancock County Savings Bank, F.S.B.?▼
Hancock County Savings Bank, F.S.B. holds $482M in total assets and $378M in deposits, ranking 1,834th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chester, West Virginia.
Is my money safe at Hancock County Savings Bank, F.S.B.?▼
Yes, deposits at Hancock County Savings Bank, F.S.B. (Certificate #29035) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hancock County Savings Bank, F.S.B.'s Tier 1 Capital Ratio?▼
Hancock County Savings Bank, F.S.B. has a Tier 1 Capital Ratio of 35.29%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Hancock County Savings Bank, F.S.B.?▼
Hancock County Savings Bank, F.S.B. has a Texas Ratio of 3.57%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Hancock County Savings Bank, F.S.B.?▼
Hancock County Savings Bank, F.S.B. has an Efficiency Ratio of 69.44%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hancock County Savings Bank, F.S.B.'s profile as a depositor or analyst.
- Hancock County Savings Bank, F.S.B.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hancock County Savings Bank, F.S.B. against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.