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107 Pike Street
Philippi, WV 26416

BCBank, Inc. is headquartered in Philippi and is the 46th largest bank in the state of West Virginia. It is also the 4,426th largest bank in the nation. It was established in 1970 and as of June of 2014, it had grown to 30 employees at 3 locations. BCBank, Inc. has a B+ health rating.

Reviews (1)

Community Bank

Excellent customer service. Nice to still have community owned and operated banks in existence.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 BCBank, Inc. had $3.54 million in non-current loans and owned real-estate with $12.71 million in equity and loan loss allowances on hand to cover it. This gives BCBank, Inc. a Texas Ratio of 27.84% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for BCBank, Inc. decreased slightly from 32.54% as of June 30, 2013 to 27.84% as of June 30, 2014, resulting in a positive change of 14.42%.This indicates that the balance sheet and financial strength for BCBank, Inc. has improved slightly in recent periods.

Deposit Growth


In the past year, BCBank, Inc. has increased its total deposits by $3.46 million, resulting in 3.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BCBank, Inc. has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BCBank, Inc. has $111.3 million in assets with $12.71 million in equity, resulting in a capitalization level of 11.42%, which is excellent.

Institution Statistics

FDIC Certificate #20215
Year Established1970
Primary RegulatorFED
Assets and Liabilities
Assets$111.30 million
Loans$64.85 million
Deposits$97.62 million
Equity Capital$11.78 million
Loan Loss Allowance$928,000
Unbacked Noncurrent Loans$1.12 million
Real Estate Owned$2.42 million
Historic Data - June 2013
Assets$106.64 million
Equity Capital$10.70 million
Loan Loss Allowance$897,000
Unbacked Noncurrent Loans$1.12 million
Real Estate Owned$2.69 million
Profit Margin - Quarterly
Return on Assets0.6%
Return on Equity5.81%
Interest Income$1.94 million

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BCBank, Inc. Locations
Bcbank, Inc.107 Pike StreetPhilippi, WV 26416
Nutter Fort Office1105 Buckhannon PikeNutter Fort, WV 26301
Fairmont Branch936 East Park AvenueFairmont, WV 26554