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323 Second Street
Saint Marys, WV 26170

The Pleasants County Bank is headquartered in Saint Marys and is the 56th largest bank in the state of West Virginia. It is also the 5,658th largest bank in the nation. It was established in 1896 and as of March of 2014, it had grown to 20 employees at 3 locations. The Pleasants County Bank has a B+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Pleasants County Bank has a relatively low asset base.

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 The Pleasants County Bank had $297,000 in non-current loans and owned real-estate with $7.06 million in equity and loan loss allowances on hand to cover it. This gives The Pleasants County Bank a Texas Ratio of 4.20% 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 The Pleasants County Bank decreased dramatically from 10.77% as of March 31, 2013 to 4.20% as of March 31, 2014, resulting in a positive change of 60.96%.This indicates that the balance sheet and financial strength for The Pleasants County Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, The Pleasants County Bank has decreased its total deposits by -$1.17 million, resulting in -2.07% 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 The Pleasants County 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. The Pleasants County Bank has $62.48 million in assets with $7.07 million in equity, resulting in a capitalization level of 11.31%, which is excellent.

Institution Statistics

FDIC Certificate #847
Year Established1896
Primary RegulatorFED
Assets and Liabilities
Assets$62.48 million
Loans$31.73 million
Deposits$55.36 million
Equity Capital$6.62 million
Loan Loss Allowance$447,000
Unbacked Noncurrent Loans$197,000
Real Estate Owned$100,000
Historic Data - March 2013
Assets$63.73 million
Equity Capital$6.72 million
Loan Loss Allowance$449,000
Unbacked Noncurrent Loans$197,000
Real Estate Owned$587,000
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets0.61%
Return on Equity5.69%
Interest Income$549,000

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The Pleasants County Bank Savings Account Rates

0.10%--Christmas Club
0.07%$100-Statement Savings

The Pleasants County Bank Money Market Rates

0.15%$100k-Money Market Account

The Pleasants County Bank Checking Account Rates

0.03%$1k-NOW Account
0.03%--Super NOW Account

The Pleasants County Bank CD Rates

0.70%$500-60 Month CD
0.65%$500-48 Month CD
0.60%$500-36 Month CD
0.55%$500-30 Month CD
0.45%$500-24 Month CD
0.35%$500-12 Month CD
0.35%$500-18 Month CD
0.20%$500-6 Month CD
0.05%$500-3 Month CD

The Pleasants County Bank IRA Rates

0.70%$500-60 Month IRA
0.65%$500-48 MonthIRA
0.60%$500-36 Month IRA
0.55%$500-30 Month IRA
0.45%$500-24 Month IRA
0.35%$500-12 Month IRA
0.35%$500-18 Month IRA
0.35%$100-12 Month Variable IRA

The Pleasants County Bank Locations
Washington St Branch213 Washington StreetSaint Marys, WV 26170
The Pleasants County Bank323 Second StreetSaint Marys, WV 26170
Belmont Branch519 Riverview DriveBelmont, WV 26134