Total Assets
$79M
Total balance-sheet footings
FDIC Cert #847 · Saint Marys, West Virginia · Est. 1896
The Pleasants County Bank - FDIC Bank Health Profile
A community-scale look at The Pleasants County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $79M
- Total assets
- C
- Health grade · Fair
- 0.55%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Pleasants County Bank earns a PlainBankData health grade of C (52/100), with 9.64% Tier 1 capital, 0.55% ROA, 80% efficiency ratio.
- #3,913
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 9.64%
- Tier 1 ratio - below the 10% well-capitalized line
- 17th
- 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 The Pleasants County Bank's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Pleasants County Bank's composite health score
Tier 1 Capital Ratio (9.64%) 18/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (80.35%) 0/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$72M
Customer-funded liabilities
Net Loans
$46M
Outstanding loan book
Net Income
$423K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Pleasants County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Pleasants County Bank's score of 52/100 falls in the highlighted band.
The Pleasants County Bank'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 Pleasants County Bank's $79M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.64% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.64%
Texas Ratio
0.00%
Equity Capital
$7M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.55%
Return on Equity (ROE)
6.26%
Efficiency Ratio
80.35%
What the numbers say about The Pleasants County Bank
The Pleasants County Bank is an FDIC-insured institution (Certificate #847) headquartered in Saint Marys, West Virginia, established in 1896. It holds $79M in total assets - 3,913th of 4,313 FDIC-insured banks, $72M in customer deposits, and $46M in net loans. On safety, its Tier 1 capital ratio of 9.64% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (52/100), 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.
By assets, The Pleasants County Bank ranks 39th of 42 banks based in West Virginia -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$276K
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 Pleasants County Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) The Pleasants County Bank (FDIC Cert #847) - 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 The Pleasants County Bank's health grade?▼
The Pleasants County Bank receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Pleasants County Bank?▼
The Pleasants County Bank holds $79M in total assets and $72M in deposits, ranking 3,913th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Marys, West Virginia.
Is my money safe at The Pleasants County Bank?▼
Yes, deposits at The Pleasants County Bank (Certificate #847) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Pleasants County Bank's Tier 1 Capital Ratio?▼
The Pleasants County Bank has a Tier 1 Capital Ratio of 9.64%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for The Pleasants County Bank?▼
The Pleasants County Bank has a Texas Ratio of 0.00%. 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 The Pleasants County Bank?▼
The Pleasants County Bank has an Efficiency Ratio of 80.35%. 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 The Pleasants County Bank's profile as a depositor or analyst.
- The Pleasants County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Pleasants County Bank 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.