CHARLESTON, WV · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$6.7B
Total Deposits
$5.4B
Net Loans
$4.5B
Net Income
$32M
ROA
1.92%
Above avg for Community banks. Peer avg: 0.90%
ROE
19.24%
Risk-Based Capital
14.73%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 4,862 | 61.02% | 25.48% |
| 2023 | 5,092 | 59.52% | 27.38% |
| 2022 | 5,393 | 60.95% | 24.01% |
| 2021 | 5,119 | 63.2% | 21.86% |
| 2020 | 5,378 | 64.6% | 21.05% |
| 2019 | 5,138 | 65.08% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2022 | Satisfactory | Large Bank |
| Oct 2018 | Satisfactory | Large Bank |
| Oct 2015 | Satisfactory | Large Bank |
6 previous ratings locked — back to 1994
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Total Branches
96
Branch Deposits
$5.3B
1-Year Change
-1
5-year net change: +2 branches
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Preview:
| 22.91% |
| 2018 | 5,013 | 62.78% | 24.26% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red