The Pleasants County Bank

Overview / Commentary

www.pcbsm.com

304-684-2227

215 Washington Street
Saint Marys, WV 26170

The Pleasants County Bank is headquartered in Saint Marys and is the 47^th largest bank in the state of West Virginia. It is also the 4,602^nd largest bank in the nation. It was established in 1896 and as of June of 2019, it had grown to 15 employees at 2 locations. The Pleasants County Bank's money market rates are 70% higher than the national average, and it has a B health rating.

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Health

Data as of Q2 2019

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

Health Grade Components

Overall
FDIC Certificate #	847
Year Established	1896
Employees	15
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	6.48%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$65.1MM$64.0MM
Loans	Q2 2019vs Q2 2018	$35.2MM$36.0MM
Deposits	Q2 2019vs Q2 2018	$57.2MM$56.6MM
Equity Capital	Q2 2019vs Q2 2018	$7.1MM$6.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$425.00K$426.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$837.00K$41.00K
Real Estate Owned	Q2 2019vs Q2 2018	$91.00K$95.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not The Pleasants County Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Pleasants County Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Christmas Club
0.07%	$100	-	Statement Savings

The Pleasants County Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$250k^*	-	Money Market Account
OTHER TIERS: 0.05% → Up to $5k \| 0.15% → $5k - $25k \| 0.20% → $25k - $100k \| 0.35% → $100k - $250k

The Pleasants County Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	$1k	-	NOW Account
0.03%	-	-	Super NOW Account

The Pleasants County Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	13 Month CD Special
1.21%	$500	-	60 Month CD
0.80%	$500	-	48 Month CD
0.75%	$500	-	36 Month CD
0.60%	$500	-	30 Month CD
0.50%	$500	-	24 Month CD
0.40%	$500	-	12 Month CD
0.40%	$500	-	18 Month CD
0.25%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

The Pleasants County Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%	$500	-	60 Month IRA
0.80%	$500	-	48 Month IRA
0.75%	$500	-	36 Month IRA
0.60%	$500	-	30 Month IRA
0.50%	$500	-	24 Month IRA
0.40%	$500	-	12 Month IRA
0.40%	$500	-	18 Month IRA
0.40%	$100	-	12 Month Variable IRA

Locations

The Pleasants County Bank Locations
The Pleasants County Bank	215 Washington Street	Saint Marys, WV 26170
Belmont Branch	519 Riverview Drive	Belmont, WV 26134

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