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Overview / Commentary
43 Washington Avenue
Logan, WV 25601

Logan Bank & Trust Company is headquartered in Logan and is the 21st largest bank in the state of West Virginia. It is also the 2,394th largest bank in the nation. It was established in 1964 and as of March of 2014, it had grown to 62 employees at 6 locations. Logan Bank & Trust Company has a B+ 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 Logan Bank & Trust Company had $1.6 million in non-current loans and owned real-estate with $23.2 million in equity and loan loss allowances on hand to cover it. This gives Logan Bank & Trust Company a Texas Ratio of 6.89% 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 Logan Bank & Trust Company decreased slightly from 8.34% as of March 31, 2013 to 6.89% as of March 31, 2014, resulting in a positive change of 17.31%.This indicates that the balance sheet and financial strength for Logan Bank & Trust Company has improved slightly in recent periods.

Deposit Growth


In the past year, Logan Bank & Trust Company has increased its total deposits by $5.18 million, resulting in 2.15% 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 Logan Bank & Trust Company 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. Logan Bank & Trust Company has $268.81 million in assets with $23.2 million in equity, resulting in a capitalization level of 8.63%, which is average.

Institution Statistics

FDIC Certificate #19285
Year Established1964
Primary RegulatorFED
Assets and Liabilities
Assets$268.81 million
Loans$92.88 million
Deposits$246.18 million
Equity Capital$21.95 million
Loan Loss Allowance$1.25 million
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$328,000
Historic Data - March 2013
Assets$265.15 million
Equity Capital$22.99 million
Loan Loss Allowance$1.28 million
Unbacked Noncurrent Loans$1.27 million
Real Estate Owned$138,000
Profit Margin - Quarterly
Net Interest Margin2.58%
Return on Assets0.53%
Return on Equity6.38%
Interest Income$1.80 million

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Logan Bank & Trust Company Locations
Mini Branch512-514 Stratton StreetLogan, WV 25601
Logan Bank & Trust CompanyMain Street and Washington AvenueLogan, WV 25601
Fountain Place Mall BranchOne Lb&t WayLogan, WV 25601
Chapmanville BranchRailroad Avenue and Sixth StreetChapmanville, WV 25508
Man BranchRt 10 Huff JunctionMan, WV 25635
Harts BranchState Route 10Harts, WV 25524