TellerScore

Headquartered in Franklin, West Virginia, Pendleton Community Bank, Inc. is a state-chartered bank with $849.7M in total assets and $718.6M in deposits as of Q2 2026. It operates 17 offices across 2 states. Its charter dates back to 1925.

Based on its Q2 2026 filing, Pendleton Community Bank, Inc. scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 32nd. Its strongest component is problem-loan coverage (85/100; 7.7%), and its lowest is capital cushion (37/100; 8.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.67%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.85%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 98.2% · 14.7% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.75%

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 (59 → 61), mostly because the earnings component improved by 15 points.

TellerScore
566063Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202456
Q1 202559
Q2 202559
Q3 202561
Q4 202560
Q1 202663
Q2 202661
Tier 1 leverage ratio
5.00%6.83%8.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.76%
Q3 20247.90%
Q4 20247.96%
Q1 20258.27%
Q2 20258.26%
Q3 20258.38%
Q4 20258.43%
Q1 20268.62%
Q2 20268.67%
Noncurrent loans
0.13%0.49%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.20%
Q4 20240.80%
Q1 20250.63%
Q2 20250.64%
Q3 20250.60%
Q4 20250.65%
Q1 20260.63%
Q2 20260.85%
Return on assets
0.66%0.95%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.71%
Q4 20240.75%
Q1 20250.79%
Q2 20250.85%
Q3 20250.90%
Q4 20251.01%
Q1 20261.24%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$849.7M8.67%0.85%1.23%98.2%
Q1 202663$825.0M8.62%0.63%1.24%96.9%
Q4 202560$814.3M8.43%0.65%1.01%96.7%
Q3 202561$805.6M8.38%0.60%0.90%91.6%
Q2 202559$790.1M8.26%0.64%0.85%93.0%
Q1 202559$782.5M8.27%0.63%0.79%90.8%
Q4 202456$778.2M7.96%0.80%0.75%93.4%
Q3 202461$779.8M7.90%0.20%0.71%92.0%
Q2 202461$765.5M7.76%0.13%0.66%92.5%

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).

Capital ratio8.67%
8th
Total risk-based capital11.48%
51st
Problem loans0.85%
32nd
Net charge-offs0.22%
11th
Return on assets1.23%
49th
Net interest margin4.43%
77th
Efficiency ratio62.9%
48th
Loans to deposits98.2%
12th
Uninsured deposits14.7%
83rd
Loan-loss reserves0.86%
15th
Texas ratio7.7%
24th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
CNB Bank, Inc.Bank Berkeley Springs, WV70 out of 100, Strong$805.7M9.5%0.09%vs
Citizens Bank of West Virginia, Inc.Bank Elkins, WV74 out of 100, Strong$772.5M10.0%0.58%vs
Potomac BankBank Charles Town, WV73 out of 100, Strong$980.2M9.9%0.08%vs
Putnam County BankBank Hurricane, WV80 out of 100, Strong$704.2M12.3%0.00%vs
The Poca Valley Bank, Inc.Bank Walton, WV61 out of 100, Moderate$666.2M7.8%0.37%vs
Jefferson Security BankBank Shepherdstown, WV69 out of 100, Moderate$566.1M8.4%0.01%vs

Deposit insurance

Is my money safe at Pendleton Community Bank, Inc.?

Yes. Pendleton Community Bank, Inc. is an FDIC-insured institution (FDIC certificate #6176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.7% of deposits ($105.5M) 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 8.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.48% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Pendleton Community Bank, Inc. lists 15 offices in 12 cities across 2 states. Most locations:

  • Harrisonburg, VA (3)
  • Staunton, VA (2)
  • Beckley, WV (1)
  • Bridgewater, VA (1)
  • Franklin, WV (1)
  • Marlinton, WV (1)
  • Moorefield, WV (1)
  • Mount Hope, WV (1)
  • Oak Hill, WV (1)
  • Petersburg, WV (1)
  • Summersville, WV (1)
  • Wardensville, WV (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pendleton Community Bank, Inc. reported 185 home-loan applications under HMDA (LEI 5493002B3KWBDNOTY262): 158 originated ($33,030,000 total), 24 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Pendleton Community Bank, Inc.
Former names
Farmers & Merchants Bank of Marlinton; Pendleton County Bank
Type
State-chartered bank
FDIC certificate #
6176
RSSD ID
370020
Primary regulator
FDIC
Holding company
Allegheny Bancshares Inc
Established
October 5, 1925
Headquarters
128 N Main St, Franklin, WV 26807
Employees
149

Quick answers

Pendleton Community Bank, Inc.: common questions

Is Pendleton Community Bank, Inc. FDIC insured?

Yes. Pendleton Community Bank, Inc. is an FDIC-insured institution (FDIC certificate #6176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pendleton Community Bank, Inc.'s TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pendleton Community Bank, Inc. ever failed?

There is no failure record for FDIC certificate #6176 in the FDIC failed bank list.

How many branches does Pendleton Community Bank, Inc. have?

17 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Franklin

InstitutionScoreAssetsCapitalProblem loansCompare
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
The First Bank and Trust CompanyBank Lebanon, VA72 out of 100, Strong$4.3B10.1%0.28%vs
Park View Federal Credit UnionCredit union Harrisonburg, VA71 out of 100, Strong$409.6M10.1%0.05%vs
Farmers & Merchants BankBank Timberville, VA70 out of 100, Strong$1.4B9.1%0.43%vs
Highlands BankBank Petersburg, WV69 out of 100, Moderate$407.1M11.0%0.91%vs
Burke & Herbert Bank & Trust CompanyBank Alexandria, VA65 out of 100, Moderate$11.0B12.3%1.19%vs