What is Pendleton Community Bank, Inc.'s financial health grade?

Pendleton Community Bank, Inc. has a TFS Financial Health Grade of C- (score: 70.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

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

Pendleton Community Bank, Inc. has 15 branch locations across the United States.

Is Pendleton Community Bank, Inc. FDIC insured?

Yes, Pendleton Community Bank, Inc. is FDIC insured (Certificate #6176).

What are the total assets of Pendleton Community Bank, Inc.?

Pendleton Community Bank, Inc. has total assets of $814.3M as reported in its most recent FDIC filing.

Pendleton Community Bank, Inc.

BankFranklin, West Virginia

https://yourbank.bank

Total Assets

$814.3M

Total Deposits

$699.4M

Branches

Established

1925

TFS Health Grade

C-

70.2 / 100

Average financial health

How we grade

Pendleton Community Bank, Inc. is a bank headquartered in Franklin, West Virginia, established in 1925. With $814.3M in total assets and 15 branch locations, it has a TFS Financial Health Grade of C- (70.2/100).

Capital & Safety

Tier 1 Capital Ratio

8.43%(8%)

Total Capital Ratio

11.48%(10%)

Non-Performing Loan Ratio

0.65%

Profitability

Return on Assets (ROA)

1.01%(1%)

Return on Equity (ROE)

12.21%(10%)

Net Interest Margin

4.21%

Efficiency Ratio

64.20%(60%)

Lending & Liquidity

Total Loans

$682.4M

Loan-to-Deposit Ratio

96.69%

Net Charge-Off Ratio

0.27%

Growth

Asset Growth (YoY)

+4.64%

Deposit Growth (YoY)

+4.86%

Net Income

$8.0M

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.

Branch	Address	City	State	Type
Pendleton Community Bank, Inc.HQ	128 N Main St	Franklin	WV	11
Pendleton Community Bank, Inc.	317 N Main St	Bridgewater	VA	11
Pendleton Community Bank, Inc.	2169 S Main St	Harrisonburg	VA	11
Pendleton Community Bank, Inc.	57 S. Main Street	Harrisonburg	VA	27
Pendleton Community Bank, Inc.	57 S Main St	Harrisonburg	VA	11
Pendleton Community Bank, Inc.	41 Monte Vista Dr	Harrisonburg	VA	11
Pendleton Community Bank, Inc.	2201 N. Augusta Street	Staunton	VA	11
Pendleton Community Bank, Inc.	478 Frontier Dr	Staunton	VA	11
Pendleton Community Bank, Inc.	204 Pinewood Dr	Beckley	WV	11
Pendleton Community Bank, Inc.	19180 Seneca Trail	Marlinton	WV	11
Pendleton Community Bank, Inc.	402 S Main St	Moorefield	WV	11
Pendleton Community Bank, Inc.	602 Main St	Mount Hope	WV	11
Pendleton Community Bank, Inc.	835 Main St E	Oak Hill	WV	11
Pendleton Community Bank, Inc.	102 Virginia Ave	Petersburg	WV	11
Pendleton Community Bank, Inc.	25 W Main St	Wardensville	WV	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.