# PUTNAM COUNTY BANK
HURRICANE, WV · FDIC certificate 15243 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $704.2M | |
| Deposits | $617.5M | |
| Loans and leases | $450.3M | |
| Total equity | $82.9M | |
| Loans / deposits | 72.07% (p29 of band) | 82.04% |
| Liquid assets / assets | 34.18% (p74 of band) | |
| Uninsured deposits / deposits | 29.29% (p64 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.32% (p72 of band) | 10.81% |
| Unrealized securities loss / equity | -7.42% (p52 of band) | -8.10% |
| AOCI / equity | -0.91% (p25 of band) | |
| ROA (annualized) | 0.97% (p30 of band) | 1.28% |
| Net interest margin | 3.08% (p12 of band) | 3.91% |
| Efficiency ratio | 55.63% (p32 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 96% | |
| Construction % of loans | 48.32% (p55 of band) | |
| Auto loans | $654,000 (0.15% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 74 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, expense ratio p90 |  |
| 2012-06 | 3 | NIM <2.5% | expense ratio p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 0 |  | reserve under noncurrent, NIM <2.5% |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | NIM <2.5% |  |
| 2014-06 | 0 |  | NIM <2.5% |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 4 | capital falling, losing money, noncurrent p90 |  |
| 2016-06 | 2 |  | capital falling, losing money |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | deposits shrinking |  |
| 2018-03 | 6 | losing money, assets shrinking |  |
| 2018-06 | 6 |  |  |
| 2018-09 | 6 |  |  |
| 2018-12 | 5 |  | losing money |
| 2019-03 | 3 |  | deposits shrinking, assets shrinking |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | charge-offs p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 | NIM <2.5% | reserve under noncurrent, noncurrent p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | charge-offs p90 |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | capital falling, charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-09 [Putnam County Bank breaks ground on new Winfield location - WOWK 13 News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZEFPUm9vb2tEeVhjUFVCd09aNG1ZQlZITnNKWkM3Uk9BSmswWmFxcHZPV2UxaEVDSVdpZWJEUzBoVzJpNVNsWGlzUG10T1lLajdSdGpSNjNSUGFHY0p5UGk4a2xlRTdhRVdGaVB5eTVlWlBJV3B6TXdvNmdRQW1wZGJDeVpHWUtDMWNnS1NsbWRvZ1lkWDl5d3c2dmx3amtrdWgybTJFNGNFNDd6ZWE2SG13OVJhV1Z50gG-AUFVX3lxTE5ySG11S29CcDEzYXd5ZmJldUF6ai1GWnlFTzVhUFVFMGZuczlVSG9IZFp3ZW5malBrNWtMNm05TFhWZjY5MzhwTzdXVTVVeUNBSGMtSWhWR3hta1hHQXcwVVNXZWVsMTRHYmJjbXVVby0za1F6MzFiY3IwYjBsRWZGX2NsbGU3TS1tanJHOWxlT0d1WHBPYUM3Ul9MaUo2aGl4amdtVDJ4UHF2dHFrY0tZZmpsUnNvM3BoNEw5NUE?oc=5) · WOWK 13 News
- 2026-07-10 [Putnam County Bank breaks ground on new Winfield location - WOWK 13 News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNb21Ba1VlU19LMnY1bk9zVWhpU1RpOUJOWEtIMkhMMk9VOVF0Z3pLMThSSGtIVjZkTHJBS1psMlhuaENMLXhKa0dIMkFDa0JUZjlaVUZJQXhKQVpUMml3THdtYXlUejc4NGJWYkV2SjZQcjdrRTZsZTFyN1dZTkU1NTRzMkhnRkg1TlFDaWFxU2VsWWpXY0VzZW1LUG8?oc=5) · WOWK 13 News
- 2026-04-05 [WV Savage, Ashland Cubs face off in Hurricane - herald-dispatch.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQVVVKS3pLMkV6UUtuX1BiRldMclpMX1FCNHVZVmpNbUNzWlJsczBXMlhnZE5GYkNSLXltczVKekhkZnhRLVkyYk1IMlhxbERlV1lyeEg1VU9PVlEyN0hNeUt4LXZkLWt0SEhJc2ZicjNiOElicXhjcjBrOER0M0VENFBTVFFFTzliMUVtRnYwdFdnMzBJQUpHYVlraU1CcDV4d1E1RlRWTWFKTk1ZOFpPblRVTXhYQVlhV3lGNkI0a092djY5S1RIcmt4UVZSWGh4OGdDd3RzZVRSN0k?oc=5) · herald-dispatch.com
- 2024-05-31 [New Putnam County sports complex opens for summer - wsaz.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNDFtd0xuV3BZR0cxTWRGRnc5T21URDlpYkI5b19jQ2pBQlFJV2VpUXN6b1Q2RXp2SFFiZHJLZ25CTnl3U1VseEhWRldYNG9IX2RwNi1rc0pUU1htdmxWclRtU3hSazQ3QTE2RXNFeWRGOTNpelVFMkl0aVhtbHk1YzJULUjSAZgBQVVfeXFMTWRJZnR3Tl9ObWhINVJyUWlQX05SUGRMRmkxZVRfbVkzUFBCMnZsbHNBMURGY25HN2sxZ1M2c1hXMFZIQWd5UmpDc1RZRGxmYlRwTTBkMHZDZ1JpbUJ1NWcyZ3ltSG5XRTJfYVZaLUV1TEk4U2xfb1hVOGRmdDhxNkZsRXluWExnbmR2ZHV4NmJuRlhfbktGRTk?oc=5) · wsaz.com
- 2024-06-01 [4 baseball fields complete newest phase of Hurricane Bridge Park - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQb2x6Uk02Vk5SdEZCMTVVbF95UUdRSERyRzlKUUxKeDctcWhYYmNFQWlPVVJzb3d2aElzR2F4X0l5bHAteWpiQ3E3VWpxZEZCQUdFMkZMUnA0dUxWendSM3dDV3R2azJnck05dkZtZlNtNVNLemhORnhPTllNSWJFUXNhazdEblBPYS1GeElJNlNMdThUc19fYkNUdmRVc3pZRW9OdmlZR090bVdUcmVTejlNSkRyajRsaFRLZU5hdGhGbGdUeUJjdC1fZDNUMVJaTHhyLVI2WG5fcGxUVXd0THpsNWpHOWVvc2REWUlFTXp5c0ZWcHc?oc=5) · Charleston Gazette-Mail
- 2021-06-18 [Putnam County Bank Loan Center reopens - wsaz.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPNzVSM09NWmFjSkRJT2ZXZDAwRzJoeFhXZFlncW1TTGpqZTQxOXRFRkJ1Z25fS210MnFVYVpYT1ZkdC11bXhYamlLdUZOQmx4ckt4cDhTVEZJaVJrRktlcWRUQ2wzRU5USDVleHlTbDJaSnlxcEZFeGhjLUk1TDB5T3RQdw?oc=5) · wsaz.com
- 2025-10-17 [Stephen Hodges Obituary (1930 - 2025) - Charleston, WV - Charleston Gazette-Mail - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPLWZManp5ZzlqTzRTNXh1NVJRZ1daMTZmek85MzNTbFF2V04tNjVyUkdyYlZMVlBiaklaZEF2S2MzOTFtUDg3dFhfQmI4QmJVbFdzV1RpVmRaZlFLcW9uNlZwdENIbWMzdkpWQmtVLU11Ti1tT0lGTnFUTTVVaXVwNVJnRlltQXJyN0FNOHhSWElMNnRqSlE?oc=5) · legacy.com
- 2024-06-02 [Newest phase of Hurricane Bridge Park completed - herald-dispatch.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPcEd0LTZkeUx6eUcyVGZsbG9KMncwdXYyaDVWUlBGQVl5YU1XdjVaRlF3em1xR09MQmJDV21Kbm10QU9aV3ZDZHowZ1AyNzdKVjAzNjZpdC02TlJQbzRKcldjMDB0QzNtRnJCTll3WEpvLXVPM19FTkRZUlUzaG8ya1FFUkVobHZBU0VSbnBBeFN1dUVzLUxGZmhYQ2hIYjRpSHVHUkktMnZBelBjZUVENDdEeURTUUNBSkQ2c1hRM2VuaHl6Rnl2ZnAzeDF2dXNqNnE1TWJQcUZicHE0NHh3?oc=5) · herald-dispatch.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15243 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "15243", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide