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Putnam County Bank

Hurricane, WV
IDRSSD: 417626
Total Assets
$673.83M
Latest filing
Total Deposits
$589.78M
Latest filing
Net Interest Margin
3.19%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date10/11/1901
Community BankYes
Ownership TypeNot Mutual
ZIP25526
State and County Number54079
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number05
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameHuntington-Ashland, WV-KY-OH

Operational Info

Number of Employees73
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/02/2024
Date of Deposit Insurance07/01/1935
Primary Insurance AgencyDIF
Websitewww.pcbwv.bank
Data Updated11/14/2025
CERT15243
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$673.83M
Total Deposits$589.78M
Total Liabilities$593.66M
Total Equity Capital$80.16M
Net Income$1.93M
Net Loans and Leases$436.41M
Assets Per Employee ($Millions)$9.23M
Bank Premises and Fixed Assets$6.82M
Cash and Balances due from Depository Institutions$62.09M
Deposits Held in Domestic Offices$589.78M

Key Performance Ratios

Return on Assets (ROA)1.15%
Return on Equity (ROE)9.79%
Net Interest Margin3.19%
Efficiency Ratio54.34%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets-0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.896%
Earning Assets to total Assets97.24%

Income and Expense

Total Interest Income$8.19M
Total Noninterest Income$153.00k
Total Interest Expense$3.00M
Total Noninterest Expense$2.91M
Net Interest Income$5.20M
Pre-tax Net Operating Income$2.55M
Provision for Credit Losses$-108,000
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$138.00k
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$3.78M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.88M
Total Liabilities and Capital$673.83M

Securities

Securities$158.40M
Available-for-sale debt securities$122.96M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$34.10M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Putnam County Bank?
$673.83M as of the latest filing.
How much are Putnam County Bank's total deposits?
$589.78M in total deposits.
Where is Putnam County Bank located?
Hurricane, WV.
What is the Net Interest Margin?
3.19%.
How many domestic offices does it operate?
5.
When was it established?
10/11/1901.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$436.41M (latest filing).
What is the total interest income (latest filing)?
$8.19M.