Total Assets
$814M
Total balance-sheet footings
FDIC Cert #6176 · Franklin, West Virginia · Est. 1925
Pendleton Community Bank, Inc. - FDIC Bank Health Profile
A community-scale look at Pendleton Community Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $814M
- Total assets
- B
- Health grade · Good
- 1.01%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Pendleton Community Bank, Inc. earns a PlainBankData health grade of B (72/100), with well-capitalized at 10.54% Tier 1, profitable at 1.01% ROA, 64% efficiency ratio.
- #1,248
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 10.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- 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 Pendleton Community Bank, Inc.'s 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pendleton Community Bank, Inc.'s composite health score
Tier 1 Capital Ratio (10.54%) 28/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (5.85%) 16/20
Efficiency Ratio (64.20%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$699M
Customer-funded liabilities
Net Loans
$676M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pendleton Community Bank, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pendleton Community Bank, Inc.'s score of 72/100 falls in the highlighted band.
Pendleton Community Bank, Inc.'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). Pendleton Community Bank, Inc.'s $814M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.54%
Texas Ratio
5.85%
Equity Capital
$70M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.01%
Return on Equity (ROE)
12.21%
Efficiency Ratio
64.20%
What the numbers say about Pendleton Community Bank, Inc.
Pendleton Community Bank, Inc. is an FDIC-insured institution (Certificate #6176) headquartered in Franklin, West Virginia, established in 1925. It holds $814M in total assets - 1,248th of 4,313 FDIC-insured banks, $699M in customer deposits, and $676M in net loans. Capital-wise, the Tier 1 ratio sits at 10.54%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.85%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Pendleton Community Bank, Inc. sits 6th of 42 banks headquartered in West Virginia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$45M
Interest Income
$5M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pendleton Community Bank, Inc. reports a Texas Ratio of 5.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.85% - 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) Pendleton Community Bank, Inc. (FDIC Cert #6176) - 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% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
| Putnam County BankHurricane | $651M | B | 0.88% |
Frequently asked questions
What is Pendleton Community Bank, Inc.'s health grade?▼
Pendleton Community Bank, Inc. receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Pendleton Community Bank, Inc.?▼
Pendleton Community Bank, Inc. holds $814M in total assets and $699M in deposits, ranking 1,248th of 4,313 FDIC-insured banks by asset size. It is headquartered in Franklin, West Virginia.
Is my money safe at Pendleton Community Bank, Inc.?▼
Yes, deposits at Pendleton Community Bank, Inc. (Certificate #6176) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pendleton Community Bank, Inc.'s Tier 1 Capital Ratio?▼
Pendleton Community Bank, Inc. has a Tier 1 Capital Ratio of 10.54%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Pendleton Community Bank, Inc.?▼
Pendleton Community Bank, Inc. has a Texas Ratio of 5.85%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pendleton Community Bank, Inc.?▼
Pendleton Community Bank, Inc. has an Efficiency Ratio of 64.20%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pendleton Community Bank, Inc.'s profile as a depositor or analyst.
- Pendleton Community Bank, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pendleton Community Bank, Inc. 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.