Hancock County Savings Bank, F.S.B.
Chester, WV
IDRSSD: 888271
Total Assets
$482.44M
Latest filing
Total Deposits
$377.87M
Latest filing
Net Interest Margin
3.57%
Profitability
Key People
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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 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 01/30/2026 |
| CERT | 29035 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $482.44M |
| Total Deposits | $377.87M |
| Total Liabilities | $392.25M |
| Total Equity Capital | $90.20M |
| Net Income | $949.00k |
| Net Loans and Leases | $427.03M |
| Assets Per Employee ($Millions) | $6.03M |
| Bank Premises and Fixed Assets | $2.77M |
| Cash and Balances due from Depository Institutions | $24.93M |
| Deposits Held in Domestic Offices | $377.87M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 4.23% |
| Net Interest Margin | 3.57% |
| Efficiency Ratio | 71.07% |
| Tier 1 Risk-Based Capital Ratio | 35.295% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.696% |
| Earning Assets to total Assets | 97.46% |
Income and Expense
| Total Interest Income | $5.51M |
| Total Noninterest Income | $489.00k |
| Total Interest Expense | $1.31M |
| Total Noninterest Expense | $3.33M |
| Net Interest Income | $4.20M |
| Pre-tax Net Operating Income | $1.26M |
| Provision for Credit Losses | $95.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $339.00k |
| Other borrowed funds | $13.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.38M |
| Total Liabilities and Capital | $482.44M |
Securities
| Securities | $21.05M |
| Available-for-sale debt securities | $13.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $6.61M |
| 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.?
$482.44M as of the latest filing.
How much are Hancock County Savings Bank, F.S.B.'s total deposits?
$377.87M in total deposits.
Where is Hancock County Savings Bank, F.S.B. located?
Chester, WV.
What is the Net Interest Margin?
3.57%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1899.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$427.03M (latest filing).
What is the total interest income (latest filing)?
$5.51M.