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Overview / Commentary
300 North Main Street
Franklin, WV 26807

Pendleton Community Bank is headquartered in Franklin and is the 22nd largest bank in the state of West Virginia. It is also the 2,426th largest bank in the nation. It was established in 1925 and as of March of 2014, it had grown to 80 employees at 5 locations. Pendleton Community Bank 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 Pendleton Community Bank had $9.24 million in non-current loans and owned real-estate with $33.64 million in equity and loan loss allowances on hand to cover it. This gives Pendleton Community Bank a Texas Ratio of 27.47% 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 decreased slightly from 34.90% as of March 31, 2013 to 27.47% as of March 31, 2014, resulting in a positive change of 21.30%.This indicates that the balance sheet and financial strength for Pendleton Community Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Pendleton Community Bank has increased its total deposits by $2.32 million, resulting in 1.03% 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 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. Pendleton Community Bank has $266.43 million in assets with $33.64 million in equity, resulting in a capitalization level of 12.63%, which is excellent.

Institution Statistics

FDIC Certificate #6176
Year Established1925
Primary RegulatorFDIC
Assets and Liabilities
Assets$266.43 million
Loans$183.58 million
Deposits$228.59 million
Equity Capital$31.38 million
Loan Loss Allowance$2.26 million
Unbacked Noncurrent Loans$7.65 million
Real Estate Owned$1.60 million
Historic Data - March 2013
Assets$262.82 million
Equity Capital$30.84 million
Loan Loss Allowance$4.60 million
Unbacked Noncurrent Loans$7.65 million
Real Estate Owned$2.32 million
Profit Margin - Quarterly
Net Interest Margin4.17%
Return on Assets1.13%
Return on Equity9.68%
Interest Income$2.89 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

1.01%-$15kYour Rewards Checking - Qualifyiing
0.05%$10k-Interest Checking
0.01%--Your Rewards Checking - Non Qualifying

Pendleton Community Bank CD Rates

0.82%$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