Pendleton Community Bank, Inc.
Franklin, WV
IDRSSD: 370020
Total Assets
$805.58M
Latest filing
Total Deposits
$700.27M
Latest filing
Net Interest Margin
4.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Pendleton Community Bank, Inc.
128 N Main St
Franklin, WV 26807
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/05/1925FDIC Certificate 4160
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Pendleton Community Bank, Inc. (Main) | 128 N Main St | Franklin, WV |
| MOOREFIELD BRANCH | 402 S Main St | Moorefield, WV |
| BECKLEY BRANCH | 204 Pinewood Dr | Beckley, WV |
| OAK HILL BRANCH | 835 Main St E | Oak Hill, WV |
| PETERSBURG BRANCH | 102 Virginia Ave | Petersburg, WV |
| MARLINTON BRANCH | 19180 Seneca Trail | Marlinton, WV |
| SOUTH MAIN | 2169 S Main St | Harrisonburg, VA |
| BRIDGEWATER BRANCH | 317 N Main St | Bridgewater, VA |
Showing 7 of 14
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/05/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26807 |
| State and County Number | 54071 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 144 |
| Domestic Offices | 15 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://yourbank.bank |
| Data Updated | 11/14/2025 |
| CERT | 6176 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $805.58M |
| Total Deposits | $700.27M |
| Total Liabilities | $737.91M |
| Total Equity Capital | $67.68M |
| Net Income | $1.96M |
| Net Loans and Leases | $641.53M |
| Assets Per Employee ($Millions) | $5.84M |
| Bank Premises and Fixed Assets | $11.77M |
| Cash and Balances due from Depository Institutions | $36.80M |
| Deposits Held in Domestic Offices | $700.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.98% |
| Return on Equity (ROE) | 11.81% |
| Net Interest Margin | 4.33% |
| Efficiency Ratio | 62.89% |
| Tier 1 Risk-Based Capital Ratio | 10.867% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.4% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.401% |
| Earning Assets to total Assets | 93.04% |
Income and Expense
| Total Interest Income | $11.44M |
| Total Noninterest Income | $1.22M |
| Total Interest Expense | $3.41M |
| Total Noninterest Expense | $5.85M |
| Net Interest Income | $8.03M |
| Pre-tax Net Operating Income | $2.59M |
| Provision for Credit Losses | $804.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $23.00k |
| Other borrowed funds | $25.70M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $81.00k |
| All Other Liabilities | $11.86M |
| Total Liabilities and Capital | $805.58M |
Securities
| Securities | $82.73M |
| Available-for-sale debt securities | $82.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pendleton Community Bank, Inc.?
$805.58M as of the latest filing.
How much are Pendleton Community Bank, Inc.'s total deposits?
$700.27M in total deposits.
Where is Pendleton Community Bank, Inc. located?
Franklin, WV.
What is the Net Interest Margin?
4.33%.
How many domestic offices does it operate?
15.
When was it established?
10/05/1925.
What is the Return on Assets (ROA)?
0.98%.
How much are total loans and leases?
$641.53M (latest filing).
What is the total interest income (latest filing)?
$11.44M.