Pendleton Community Bank Inc
Franklin, West Virginia · $850M in assets · beside the 11 other West Virginia banks between $300M and $1B
The filing
Pendleton Community Bank Inc is the second largest of the 12 West Virginia banks nearest its size between $300M and $1B, with $850M in assets at 30 June 2026. Loans are 99.0% of deposits, 11th of 12 against a median of 85.3%, and equity is 8.6% of assets, 8th of 12. Loans grew +10.3% in the year, 4th of 12, and deposits grew 4.4%; the cohort's median loan growth is +6.0%.
Noncurrent loans are 0.85% of the book, 10th of 12 against a median of 0.36%; 0.60% is 30 to 89 days past due, and the allowance covers them 1.0 times. Net charge-offs are 0.22% of loans, 11th of 12. Commercial real estate is 22.6% of loans, 7th of 12 against a median of 21.0%, and 206% of capital, below the 300% screen, with construction at 65% against the 100% screen.
Return on assets is 1.22%, 5th of 12 against a median of 1.02%, on an efficiency ratio of 63.3%, 5th of 12. Five years ago it was 0.90%. The question is which of these lines moves first over the next four quarters, and against which peer.
SBA 7(a), FY2008 to FY2026
Pendleton Community Bank Inc is the 16th largest 7(a) lender into West Virginia of 141, with $10M across 36 loans, 1.1% of everything approved in the state (The Huntington National Bank leads with $200M). 5 of its 13 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| Raleigh, WV | $4M | 2nd of 24 | 13.7% | thin |
| Harrisonburg City, VA | $2M | 7th of 31 | 5.1% | +1.4 pts |
| Pendleton, WV | $2M | 1st of 3 | 88.7% | quiet FY2021 |
| Hardy, WV | $1M | 1st of 7 | 44.4% | quiet FY2021 |
| Rockingham, VA | $820K | 12th of 27 | 2.7% | thin |
| Greenbrier, WV | $807K | 8th of 20 | 5.6% | -29.4 pts |
| Grant, WV | $714K | 1st of 7 | 24.7% | quiet FY2020 |
| Fayette, WV | $580K | 6th of 14 | 4.3% | +12.6 pts |
| Pocahontas, WV | $514K | 3rd of 8 | 6.9% | thin |
| Augusta, VA | $445K | 17th of 27 | 1.4% | quiet FY2021 |
| Mineral, WV | $380K | 4th of 9 | 9.0% | +20.6 pts |
| Staunton City, VA | $220K | 14th of 23 | 1.1% | thin |
| Spartanburg, SC | $180K | 77th of 83 | 0.1% | quiet FY2010 |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Other services | 7 | $5M | 38.4% | 0.01% | 533rd of 2,248 |
| Information | 5 | $1M | 10.9% | 0.04% | 327th of 958 |
| Manufacturing | 4 | $909K | 6.8% | 0.00% | 1425th of 2,246 |
| Transportation & warehousing | 10 | $897K | 6.7% | 0.01% | 804th of 1,563 |
| Accommodation & food services | 3 | $882K | 6.6% | 0.00% | 1658th of 2,596 |
Commercial real estate against capital
| Pendleton Community Bank Inc | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 206% | 9th of 12 | 157% |
| Construction against capital, the 100% screen | 65% | 11th of 12 | 42% |
| Construction and land development, share of loans | 7.2% | 8th of 12 | 5.5% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 11.5% | 7th of 12 | 10.3% |
| Total CRE, the guidance definition, share of loans | 22.6% | 7th of 12 | 21.0% |
| CRE growth over 36 months, the third prong | -3.9% | 1st of 12 | +17.1% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $980M | 1.3% | 60.9% | 0.08% | 0.07% | 1.0% | 91.4% | 9.7% | |
| $850M | 1.2% | 63.3% | 0.85% | 0.22% | 0.9% | 99.0% | 8.6% | |
| $806M | 1.0% | 64.2% | 0.09% | 0.00% | 1.1% | 89.6% | 8.5% | |
| $772M | 1.9% | 47.2% | 0.58% | 0.37% | 1.0% | 90.0% | 10.2% | |
| $704M | 1.0% | 55.6% | 0.00% | -0.03% | 1.2% | 72.9% | 11.8% | |
| $666M | 0.7% | 80.6% | 0.37% | 0.07% | 0.6% | 83.8% | 6.9% | |
| $566M | 1.0% | 64.2% | 0.01% | 0.01% | 1.1% | 79.7% | 6.9% | |
| $532M | -0.4% | 134.8% | 0.29% | 0.02% | 0.8% | 69.0% | 15.6% | |
| $508M | 1.0% | 65.6% | 0.63% | 0.02% | 1.1% | 108.2% | 18.2% | |
| $430M | 1.5% | 62.2% | 0.36% | 0.02% | 1.0% | 82.3% | 10.7% | |
| $407M | 1.3% | 64.2% | 0.91% | 0.00% | 1.2% | 86.8% | 10.6% | |
| $391M | 0.9% | 70.1% | 2.10% | -0.03% | 1.5% | 82.7% | 7.9% |
| Pendleton Community Bank Inc | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $359M | $712M | +98% | $295M | $442M | +50% |
| Deposits | $559M | $719M | +29% | $393M | $563M | +43% |
| NPA / loans | 0.09% | 0.85% | +0.76 pts | 0.60% | 0.36% | -0.23 pts |
| Efficiency | 66.7% | 63.3% | -3.4 pts | 68.8% | 64.2% | -4.7 pts |
| ROA | 0.90% | 1.22% | +0.31 pts | 0.76% | 1.02% | +0.26 pts |
This read was prepared for Pendleton Community Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Pendleton Community Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort WV banks $300M to $1B
Institution yourbank.bank
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