FDIC Cert #6787 · Peterstown, West Virginia · Est. 1910

The First National Bank of Peterstown - FDIC Bank Health Profile

A community-scale look at The First National Bank of Peterstown's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$84M
Total assets
B
Health grade · Good
0.98%
Return on assets
27.7%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Peterstown earns a PlainBankData health grade of B (78/100), with well-capitalized at 27.74% Tier 1, 0.98% ROA, 69% efficiency ratio.

#3,872
largest of 4,313 FDIC banks by assets
10th
percentile by asset size, nationally
27.74%
Tier 1 ratio - above the 10% well-capitalized line
41st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 6787 · WV B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2268/4307
  • PHOTO-FINISH The National Bank of… · VT
  • TIER1-WELL 27.7% Tier 1
  • TEXAS-CLEAN 7.0% Texas
  • ROA-PAR 0.98% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: The National Bank of Middlebury, VT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Peterstown

Lowest and highest poles plus nearest scored peers outside West Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Fannin Bank · TX · near78/100First State Bank · IA · near78/100The First National B… · WV ·…78/100The National Bank of… · VT ·…78/100The Neffs National B… · PA ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Peterstown · July 2026

Plate reading for The First National Bank of Peterstown where failures stay rare

The First National Bank of Peterstown (FDIC Cert #6787) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,268 of 4,307. Tier 1 capital prints at 27.74%, clearing the 10% well-capitalized line. The Texas Ratio is 7.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.98%. Balance-sheet scale is $84M, 3,872nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The National Bank of Middlebury (VT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Peterstown

Only 2 FAILURE resolutions in West Virginia since 2000

The First National Bank of Peterstown is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE FIRST STATE BANK BARBOURSVILLE, WV 2020 → MVB BANK, INC
  • AMERIBANK, INC. NORTHFORK, WV 2008 → THE CITIZENS SAVINGS BANK
  • FIRST NB OF KEYSTONE KEYSTONE, WV 1999 → AMERIBANK, INCORPORATED

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and West Virginia banks.

How The First National Bank of Peterstown's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
The First National Bank of Peterstown's composite health score
Tier 1 Capital Ratio (27.74%) 40/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (7.00%) 16/20
Efficiency Ratio (68.77%) 8/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$84M

Total balance-sheet footings

Total Deposits

$73M

Customer-funded liabilities

Net Loans

$38M

Outstanding loan book

Net Income

$833K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 26.34% 27.74% 29.14%
Basel III capital ratios - The First National Bank of Peterstown

Where The First National Bank of Peterstown ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Peterstown's score of 78/100 falls in the highlighted band.

The First National Bank of Peterstown: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Peterstown 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank of Peterstown'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). The First National Bank of Peterstown's $84M falls in the highlighted band.

Safety metrics: The First National Bank of Peterstown

Tier 1 capital ratio
Well-capitalized 10%

27.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
27.74%
Texas Ratio
7.00%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: The First National Bank of Peterstown

Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
8.33%
Efficiency Ratio
68.77%

What these mean →

Income & expense at The First National Bank of Peterstown

$3M
Interest Income
$728K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Peterstown reports a Texas Ratio of 7.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Peterstown on FDIC BankFind →

Top banks in West Virginia by total assets

Largest banks headquartered in West Virginia
  1. 1
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  2. 2
    City National Bank of West Virginia $6.7B

    Charleston, WV · Grade A

  3. 3
    MVB Bank, Inc $3.3B

    Fairmont, WV · Grade B

  4. 4
    Clear Mountain Bank $985M

    Bruceton Mills, WV · Grade A

  5. 5
    Potomac Bank $943M

    Charles Town, WV · Grade A

Top 5 banks in West Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($84M here), outside West Virginia so the neighborhood is not state containment.

Villa Grove State Bank $84M · IL The First State Bank $84M · KS McClave State Bank $84M · CO Genesis Bank $84M · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Peterstown (FDIC Cert #6787) - 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.

The First National Bank of Peterstown Call Report profile · FDIC Failed Bank List · West Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in West Virginia

All West Virginia banks →
BankAssetsGradeROA
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%