Hancock County Savings Bank, F.S.B. is a savings bank headquartered in Chester, West Virginia, in business for about 127 years. At the end of Q2 2026 it reported $508.0M in total assets and $401.2M in deposits, with 3 offices.
Hancock County Savings Bank, F.S.B. has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 8th. Capital cushion contributes the most (100/100, 18.37%); funding & liquidity contributes the least (53/100, 107% loans-to-deposits, 8% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (77 → 79), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 78 |
| Q2 2025 | 77 |
| Q3 2025 | 76 |
| Q4 2025 | 75 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.24% |
| Q3 2024 | 18.16% |
| Q4 2024 | 18.04% |
| Q1 2025 | 17.94% |
| Q2 2025 | 17.79% |
| Q3 2025 | 18.30% |
| Q4 2025 | 18.69% |
| Q1 2026 | 18.69% |
| Q2 2026 | 18.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.78% |
| Q1 2026 | 1.05% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $508.0M | 18.37% | 0.63% | 0.97% | 106.9% |
| Q1 2026 | 78 | $496.9M | 18.69% | 0.76% | 1.05% | 109.0% |
| Q4 2025 | 75 | $482.4M | 18.69% | 0.79% | 0.78% | 113.0% |
| Q3 2025 | 76 | $481.8M | 18.30% | 0.68% | 0.78% | 112.5% |
| Q2 2025 | 77 | $489.4M | 17.79% | 0.63% | 0.72% | 109.6% |
| Q1 2025 | 78 | $492.8M | 17.94% | 0.52% | 0.76% | 108.1% |
| Q4 2024 | 78 | $481.4M | 18.04% | 0.38% | 0.66% | 110.7% |
| Q3 2024 | 78 | $474.7M | 18.16% | 0.41% | 0.69% | 111.9% |
| Q2 2024 | 79 | $473.4M | 18.24% | 0.35% | 0.71% | 110.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Huntington Federal Savings BankBank Huntington, WV | 77 out of 100, Strong | $532.3M | 15.1% | 0.29% | vs |
| Jefferson Security BankBank Shepherdstown, WV | 69 out of 100, Moderate | $566.1M | 8.4% | 0.01% | vs |
| Freedom Bank, Inc.Bank Belington, WV | 78 out of 100, Strong | $429.7M | 11.4% | 0.36% | vs |
| Highlands BankBank Petersburg, WV | 69 out of 100, Moderate | $407.1M | 11.0% | 0.91% | vs |
| First Exchange BankBank White Hall, WV | 49 out of 100, Below average | $391.1M | 9.0% | 2.10% | vs |
| The Bank of RomneyBank Romney, WV | 74 out of 100, Strong | $368.8M | 16.0% | 1.73% | vs |
Deposit insurance
Is my money safe at Hancock County Savings Bank, F.S.B.?
Yes. Hancock County Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #29035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.9% of deposits ($31.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 36.88% (benchmark: 10%).
3 locations
Branches
Hancock County Savings Bank, F.S.B. lists 3 offices in 3 cities. Most locations:
- Chester, WV (1)
- New Cumberland, WV (1)
- Weirton, WV (1)
Identity & history
Profile
- Legal name
- Hancock County Savings Bank, F.S.B.
- Former names
- Hancock County Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29035
- RSSD ID
- 888271
- Primary regulator
- OCC
- Established
- January 1, 1899
- Headquarters
- 351 Carolina Ave, Chester, WV 26034
- Website
- www.hcsbank.com
- Employees
- 78
Quick answers
Hancock County Savings Bank, F.S.B.: common questions
Is Hancock County Savings Bank, F.S.B. FDIC insured?
Yes. Hancock County Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #29035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hancock County Savings Bank, F.S.B.'s TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Hancock County Savings Bank, F.S.B. ever failed?
There is no failure record for FDIC certificate #29035 in the FDIC failed bank list.
How many branches does Hancock County Savings Bank, F.S.B. have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Choice America Community Federal Credit UnionCredit union Weirton, WV | 96 out of 100, Very strong | $713.9M | 18.1% | 0.15% | vs |
| A & S Federal Credit UnionCredit union Aliquippa, PA | 95 out of 100, Very strong | $39.3M | 15.1% | 0.55% | vs |
| Freedom United Federal Credit UnionCredit union Rochester, PA | 93 out of 100, Very strong | $94.2M | 19.0% | 0.84% | vs |
| Strip Steel Community Federal Credit UnionCredit union Weirton, WV | 88 out of 100, Very strong | $59.9M | 19.3% | 0.24% | vs |
| Valley One Community Federal Credit UnionCredit union Steubenville, OH | 79 out of 100, Strong | $42.2M | 12.2% | 0.16% | vs |
| West Penn P&p Federal Credit UnionCredit union Beaver, PA | 78 out of 100, Strong | $22.8M | 13.9% | 1.31% | vs |