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Overview / Commentary
300 North Main Street
Franklin, WV 26807

Pendleton Community Bank is headquartered in Franklin and is the 20th largest bank in the state of West Virginia. It is also the 2,441st largest bank in the nation. It was established in 1925 and as of June of 2014, it had grown to 82 employees at 5 locations. Pendleton Community Bank has a B health rating.

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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 Pendleton Community Bank had $8.82 million in non-current loans and owned real-estate with $34.51 million in equity and loan loss allowances on hand to cover it. This gives Pendleton Community Bank a Texas Ratio of 25.57% 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 Pendleton Community Bank experienced no significant changes from 27.54% as of June 30, 2013 to 25.57% as of June 30, 2014, resulting in a positive change of 7.18%.This indicates that the balance sheet and financial strength for Pendleton Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Pendleton Community Bank has decreased its total deposits by $-6,000, resulting in 0% 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 Pendleton Community Bank has shown is 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. Pendleton Community Bank has $263.39 million in assets with $34.51 million in equity, resulting in a capitalization level of 13.10%, which is excellent.

Institution Statistics

FDIC Certificate #6176
Year Established1925
Primary RegulatorFDIC
Assets and Liabilities
Assets$263.39 million
Loans$186.01 million
Deposits$225.72 million
Equity Capital$32.24 million
Loan Loss Allowance$2.27 million
Unbacked Noncurrent Loans$7.44 million
Real Estate Owned$1.38 million
Historic Data - June 2013
Assets$262.03 million
Equity Capital$30.63 million
Loan Loss Allowance$2.90 million
Unbacked Noncurrent Loans$7.44 million
Real Estate Owned$1.73 million
Profit Margin - Quarterly
Return on Assets1.13%
Return on Equity9.52%
Interest Income$5.78 million

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Pendleton Community Bank Savings Account Rates

0.26%-$15kKasasa Saver - Qualifying
0.10%$10k-Super Savings
0.10%--Christmas Club
0.10%--Variable Rate IRA
0.07%$25-Student Savings
0.05%$50-Community Savings
0.01%--Kasasa Saver - Non-Qualifying

Pendleton Community Bank Money Market Rates

0.15%$50k-Money Market Account

Pendleton Community Bank Checking Account Rates

0.81%-$15kYour Rewards Checking - Qualifyiing
0.05%$10k-Interest Checking
0.01%--Your Rewards Checking - Non Qualifying

Pendleton Community Bank CD Rates

1.00%$500-60 Month CD
0.68%$500-48 Month CD
0.58%$15k-48 Month Freedom Plus CD
0.50%$500-36 Month CD
0.40%$500-30 Month CD
0.40%$15k-36 Month Freedom Plus CD
0.40%$100-Smart Account
0.35%$5k-Promo CD 11 Month Certificate of Deposit
0.35%$500-24 Month CD
0.30%$500-15 Month CD
0.30%$500-18 Month CD
0.25%$10k-24 Month Freedom Plus CD
0.20%$500-12 Month CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

Pendleton Community Bank IRA Rates

0.20%--12 Month IRA

Pendleton Community Bank Locations
Petersburg Branch102 Virginia AvenuePetersburg, WV 26847
Pendleton Community Bank, Inc.300 North Main StreetFranklin, WV 26807
Moorefield Branch402 South Main StreetMoorefield, WV 26836
Harrisonburg Branch41 Monte Vista DrHarrisonburg, VA 22802
Marlinton BranchPo Box 87 900 North Seneca TrailMarlinton, WV 24954