Putnam County Bank

Overview / Commentary

www.putcobk.com

304-562-9931

2761 Main Street
Hurricane, WV 25526

Putnam County Bank is headquartered in Hurricane and is the 7^th largest bank in the state of West Virginia. It is also the 1,328^th largest bank in the nation. It was established in 1901 and as of June of 2020, it had grown to 67 employees at 3 locations. Putnam County Bank has an A+ health rating.

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Health

A+

Data as of Q2 2020

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Health Grade Components

Overall
FDIC Certificate #	15243
Year Established	1901
Employees	67
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	5.14%
Annual Interest Income	$10.5MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$621.6MM$589.7MM
Loans	Q2 2020vs Q2 2019	$332.6MM$340.3MM
Deposits	Q2 2020vs Q2 2019	$523.6MM$495.3MM
Equity Capital	Q2 2020vs Q2 2019	$92.0MM$89.4MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$6.9MM$4.7MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$7.4MM$11.8MM
Real Estate Owned	Q2 2020vs Q2 2019	$115.00K$887.00K

Rates

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Checking
CD

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Putnam County Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$100	-	Individual Retirement Account
0.40%	$100	-	Simplified Employee Pension
0.40%	$100	-	Roth IRA
0.40%	$100	-	Coverdell Education Savings Account
0.40%	$100	-	Business Coverdell Education Savings Account
0.40%	$100	-	Business Individual Retirement Account
0.40%	$100	-	Business Roth IRA
0.40%	$100	-	Business Simplified Employee Pension
0.10%	$10	-	Passbook Savings
0.10%	$10	-	Business Passbook Savings
0.05%	$5	-	Christmas Club
0.05%	$5	-	Business Christmas Club

Putnam County Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	Super NOW Checking
0.10%	$1k	-	Business Super NOW Checking

Putnam County Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$1k	-	48 Month CD
0.50%	$1k	-	Business 48 Month CD
0.45%	$1k	-	36 Month CD
0.45%	$1k	-	Business 36 Month CD
0.40%	$1k	-	24 Month CD
0.40%	$1k	-	Business 24 Month CD
0.35%	$1k	-	18 Month CD
0.35%	$1k	-	Business 18 Month CD
0.30%	$1k	-	12 Month CD
0.30%	$1k	-	Business 12 Month CD
0.25%	$1k	-	182 Day CD
0.25%	$1k	-	Business 182 Day CD
0.20%	$1k	-	91 Day CD
0.20%	$1k	-	Business 91 Day CD
0.15%	$1k	-	30 Day CD
0.15%	$1k	-	Business 30 Day CD

Locations

Putnam County Bank Locations
Putnam County Bank	2761 Main Street	Hurricane, WV 25526
Vally Branch	3058 Mount Vernon Road	Hurricane, WV 25526
Interstate Branch	101 Hurricane Creek Road	Hurricane, WV 25526

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