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Overview / Commentary
1049 5th Avenue
Huntington, WV 25701

Huntington Federal Savings Bank is headquartered in Huntington and is the 8th largest bank in the state of West Virginia. It is also the 1,208th largest bank in the nation. It was established in 1929 and as of March of 2014, it had grown to 97 employees at 5 locations. Huntington Federal Savings Bank has a A health rating.

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Data for Q1 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 March 31, 2014 Huntington Federal Savings Bank had $4.55 million in non-current loans and owned real-estate with $75.35 million in equity and loan loss allowances on hand to cover it. This gives Huntington Federal Savings Bank a Texas Ratio of 6.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Huntington Federal Savings Bank decreased slightly from 7.38% as of March 31, 2013 to 6.04% as of March 31, 2014, resulting in a positive change of 18.05%.This indicates that the balance sheet and financial strength for Huntington Federal Savings Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Huntington Federal Savings Bank has increased its total deposits by $2.38 million, resulting in 0.5% 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 Huntington Federal Savings Bank has shown is above average.



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. Huntington Federal Savings Bank has $555.09 million in assets with $75.35 million in equity, resulting in a capitalization level of 13.57%, which is excellent.

Institution Statistics

FDIC Certificate #27884
Year Established1929
Primary RegulatorOCC
Assets and Liabilities
Assets$555.09 million
Loans$217.77 million
Deposits$479.27 million
Equity Capital$73.77 million
Loan Loss Allowance$1.58 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$1.12 million
Historic Data - March 2013
Assets$549.61 million
Equity Capital$69.37 million
Loan Loss Allowance$2.10 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$2.08 million
Profit Margin - Quarterly
Net Interest Margin3.04%
Return on Assets0.7%
Return on Equity5.26%
Interest Income$5.04 million

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Huntington Federal Savings Bank Locations
Huntington Federal Savings Bank1049 5th AvenueHuntington, WV 25701
Huntington Mall Branch380 Huntington MallBarboursville, WV 25504
Putnam Village Shop Cntr Branch5 Putnam Village DriveTeays, WV 25569
Westmoreland Branch500 Camden RoadHuntington, WV 25704
East Hills Mall Branch5175 US Route 60 EastHuntington, WV 25705