Hancock County Savings Bank, F.S.B.
Chester, WV
IDRSSD: 888271
Total Assets
$481.81M
Latest filing
Total Deposits
$378.14M
Latest filing
Net Interest Margin
3.53%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Hancock County Savings Bank, F.S.B.
351 Carolina Ave
Chester, WV 26034
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1899FDIC Certificate 41869
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Hancock County Savings Bank, F.S.B. (Main) | 351 Carolina Ave | Chester, WV |
| 375 THREE SPRINGS DRIVE BRANCH | 375 Three Springs Dr | Weirton, WV |
| RIDGE AVE BRANCH | 1200 Ridge Ave | New Cumberland, WV |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Jefferson Security Bank
Shepherdstown, West Virginia
→
Assets: $551.63MΔ +12.7%
Huntington Federal Savings Bank
Huntington, West Virginia
→
Assets: $556.60MΔ +13.7%
Union Bank, Inc.
Middlebourne, West Virginia
→
Assets: $402.30MΔ -17.8%
The Grant County Bank
Petersburg, West Virginia
→
Assets: $376.85MΔ -23.0%
First Exchange Bank
White Hall, West Virginia
→
Assets: $376.82MΔ -23.0%
MCNB Bank and Trust Co.
Welch, West Virginia
→
Assets: $359.46MΔ -26.6%
Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1899 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 26034 |
| State and County Number | 54029 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Weirton-Steubenville, WV-OH |
Operational Info
| Number of Employees | 78 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.hcsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 29035 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $481.81M |
| Total Deposits | $378.14M |
| Total Liabilities | $392.56M |
| Total Equity Capital | $89.25M |
| Net Income | $1.09M |
| Net Loans and Leases | $425.33M |
| Assets Per Employee ($Millions) | $6.18M |
| Bank Premises and Fixed Assets | $2.81M |
| Cash and Balances due from Depository Institutions | $23.85M |
| Deposits Held in Domestic Offices | $378.14M |
Key Performance Ratios
| Return on Assets (ROA) | 0.9% |
| Return on Equity (ROE) | 4.92% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 64.63% |
| Tier 1 Risk-Based Capital Ratio | 34.966% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.524% |
| Earning Assets to total Assets | 97.4% |
Income and Expense
| Total Interest Income | $5.52M |
| Total Noninterest Income | $438.00k |
| Total Interest Expense | $1.34M |
| Total Noninterest Expense | $2.98M |
| Net Interest Income | $4.17M |
| Pre-tax Net Operating Income | $1.42M |
| Provision for Credit Losses | $207.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $389.00k |
| Other borrowed funds | $13.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.42M |
| Total Liabilities and Capital | $481.81M |
Securities
| Securities | $22.36M |
| Available-for-sale debt securities | $16.21M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.69M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Hancock County Savings Bank, F.S.B.?
$481.81M as of the latest filing.
How much are Hancock County Savings Bank, F.S.B.'s total deposits?
$378.14M in total deposits.
Where is Hancock County Savings Bank, F.S.B. located?
Chester, WV.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1899.
What is the Return on Assets (ROA)?
0.9%.
How much are total loans and leases?
$425.33M (latest filing).
What is the total interest income (latest filing)?
$5.52M.