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.

From Q2 2025 to Q2 2026, the score rose 2 points (78 → 80), mostly because the earnings component improved by 8 points.

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

Yes. Putnam County Bank is an FDIC-insured institution (FDIC certificate #15243). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.3% of deposits ($180.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Putnam County Bank lists 4 offices in 2 cities. Most locations:

• Hurricane, WV (3)
• Milton, WV (1)

All branch addresses and map

In 2025, Putnam County Bank reported 204 home-loan applications under HMDA (LEI 254900SRX8H2BWRMDQ91): 156 originated ($50,500,000 total), 23 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, 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.

Legal name

Putnam County Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

15243

RSSD ID

417626

Primary regulator

FED

Holding company

Putnam Bancshares Inc

Established

October 11, 1901

Headquarters

2761 Main St, Hurricane, WV 25526

Website

www.pcbwv.bank

Employees

74