Side-by-side · Q2 2026 data
Pendleton Community Bank, Inc. vs Citizens Bank of West Virginia, Inc.
Metric by metric
| Measure | Pendleton Community Bank, Inc. | Citizens Bank of West Virginia, Inc. |
|---|---|---|
| TellerScore | 61 | 74 (stronger) |
| Capital cushion | 37 | 50 (stronger) |
| Loan quality | 72 | 81 (stronger) |
| Earnings | 69 | 98 (stronger) |
| Funding & liquidity | 62 | 69 (stronger) |
| Problem-loan coverage | 85 | 91 (stronger) |
| Peer percentile | 20th | 57th |
| Total assets | $849.7M | $772.5M |
| Deposits / shares | $718.6M | $678.7M |
| Capital ratio | 8.67% | 10.00% (stronger) |
| Problem loans | 0.85% | 0.58% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.38% |
| Return on assets | 1.23% | 1.95% (stronger) |
| Loans ÷ deposits | 98.2% | 89.1% (stronger) |
| Uninsured deposits | 14.7% (stronger) | 16.8% |
| Offices | 15 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | — |
Citizens Bank of West Virginia, Inc. has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Pendleton Community Bank, Inc. leads on 2 and Citizens Bank of West Virginia, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.