Hancock County Savings Bank, F.S.B.

BankChester, West Virginia
www.hcsbank.com

Total Assets

$482.4M

Total Deposits

$377.9M

Branches

3

Established

1899

TFS Health Grade

$
C-

70.8 / 100

Average financial health

How we grade

Hancock County Savings Bank, F.S.B. is a bank headquartered in Chester, West Virginia, established in 1899. With $482.4M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (70.8/100).

Capital & Safety

Tier 1 Capital Ratio
18.69%(8%)
Total Capital Ratio
36.55%(10%)
Non-Performing Loan Ratio
0.79%

Profitability

Return on Assets (ROA)
0.78%(1%)
Return on Equity (ROE)
4.31%(10%)
Net Interest Margin
3.42%
Efficiency Ratio
69.44%(60%)

Lending & Liquidity

Total Loans
$431.8M
Loan-to-Deposit Ratio
113.01%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+0.22%
Deposit Growth (YoY)
-0.23%
Net Income
$3.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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