Total Assets
$360M
Total balance-sheet footings
FDIC Cert #19285 · Logan, West Virginia · Est. 1964
Logan Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Logan Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $360M
- Total assets
- A
- Health grade · Excellent
- 1.30%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
Logan Bank & Trust Company earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.84% Tier 1, profitable at 1.30% ROA, efficient (56% cost ratio).
- #2,242
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 10.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 64th
- 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 Logan Bank & Trust Company's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Logan Bank & Trust Company's composite health score
Tier 1 Capital Ratio (10.84%) 28/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (1.99%) 20/20
Efficiency Ratio (56.05%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$330M
Customer-funded liabilities
Net Loans
$182M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Logan Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Logan Bank & Trust Company's score of 80/100 falls in the highlighted band.
Logan Bank & Trust Company'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). Logan Bank & Trust Company's $360M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.84%
Texas Ratio
1.99%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
18.40%
Efficiency Ratio
56.05%
What the numbers say about Logan Bank & Trust Company
Logan Bank & Trust Company is an FDIC-insured institution (Certificate #19285) headquartered in Logan, West Virginia, established in 1964. It holds $360M in total assets - 2,242nd of 4,313 FDIC-insured banks, $330M in customer deposits, and $182M in net loans. On safety, its Tier 1 capital ratio of 10.84% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.99% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (80/100), 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, Logan Bank & Trust Company ranks 19th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Logan Bank & Trust Company reports a Texas Ratio of 1.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.99% - 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) Logan Bank & Trust Company (FDIC Cert #19285) - 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 Logan Bank & Trust Company's health grade?▼
Logan Bank & Trust Company receives a health grade of A (80/100) 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 Logan Bank & Trust Company?▼
Logan Bank & Trust Company holds $360M in total assets and $330M in deposits, ranking 2,242nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Logan, West Virginia.
Is my money safe at Logan Bank & Trust Company?▼
Yes, deposits at Logan Bank & Trust Company (Certificate #19285) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Logan Bank & Trust Company's Tier 1 Capital Ratio?▼
Logan Bank & Trust Company has a Tier 1 Capital Ratio of 10.84%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Logan Bank & Trust Company?▼
Logan Bank & Trust Company has a Texas Ratio of 1.99%. 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 Logan Bank & Trust Company?▼
Logan Bank & Trust Company has an Efficiency Ratio of 56.05%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Logan Bank & Trust Company's profile as a depositor or analyst.
- Logan Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Logan Bank & Trust Company 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.