# PLEASANTS COUNTY BANK
SAINT MARYS, WV · FDIC certificate 847 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $84.7M | |
| Deposits | $76.7M | |
| Loans and leases | $50.5M | |
| Total equity | $7.2M | |
| Loans / deposits | 65.24% (p38 of band) | 73.59% |
| Liquid assets / assets | 33.37% (p51 of band) | |
| Uninsured deposits / deposits | 20.09% (p51 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.44% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -10.99% (p38 of band) | -6.57% |
| AOCI / equity | -0.35% (p52 of band) | |
| ROA (annualized) | 0.66% (p23 of band) | 1.17% |
| Net interest margin | 3.77% (p41 of band) | 3.93% |
| Efficiency ratio | 73.93% (p69 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 31.21% (p65 of band) | |
| Auto loans | $896,000 (1.77% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.8% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | capital falling, reserve under noncurrent |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 3 | deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | deposits shrinking |
| 2020-09 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | noncurrent p90 |
| 2022-03 | 4 | expense ratio p90, noncurrent p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, expense ratio p90, noncurrent p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 1 |  | reserve under noncurrent, AOCI drag >20% of equity, capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 |  | securities losses >30% of equity, assets shrinking |
| 2024-03 | 3 | capital falling, securities losses >30% of equity | deposits shrinking |
| 2024-06 | 0 |  | uninsured deposits leaving, capital falling, securities losses >30% of equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2023-05-10 [Dr. Danny Edward Chandler - Marietta Times](https://news.google.com/rss/articles/CBMif0FVX3lxTFBoRTJDTHpPdThteFFBS0ZDanZFRkJ2MV9oZ05tQVdtR0FTbkd1N242cVZmUWpWSmU5dklkVTZzYmNScFF1MEl5UTI5cTRGelZrUzZrczFuZk8tRlhOWUM2bWxqdDJSbGpWTGJNTmU2c21mVGx3SFQ2Szk2WjFxT00?oc=5) · Marietta Times
- 2023-03-24 [Betty Gatrell Hammett - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMifkFVX3lxTFBOaUdEaHlKd2tpUXVCSURGZHBVSTE1RU9CYVd4LTNEeDltbHBUZG84dWFfUXdBUUJEZDJnTVVIdEpxTmZHX3l0QW9MU0xCNzJsM1BSUmRReW1sZll5N1ZBWlJZVEprb01XeDdNOG1vS2puRzRsbXpiLVg4ZHJYZw?oc=5) · The Parkersburg News and Sentinel
- 2018-09-23 [Earl L. Coen Obituary Sep 23, 2018 - Paquelet and Paquelet & Arnold-Lynch Funeral Homes](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5OYXR6b21wLW1lVi04Rk56cFRyUFpJS2tJV0hSdk5UYjYyaWgwWDNGdXNCSUw0NjZXR2tOZXpoa0F0bE5yVW5XTHgwYW9VR0ZiSXQ0VVQtaXUwR00?oc=5) · Paquelet and Paquelet &amp; Arnold-Lynch Funeral Homes
- 2012-06-27 [2012 Dog Bite Fatality: 2-Year Old Boy Killed by Dogs in West Virginia - DogsBite Blog](https://news.google.com/rss/articles/CBMiggFBVV95cUxOX01GNThsNFcwRGVlaVBKU0NQY0dOVXNONDQxRElxXzNzYTNmcTYtM3BPak1fQVFZMFJTUmxuTjJfclZPVTk3ZHNYN25YVVFyZWlHT0NLdllmSGVhMXVnOUFIWVdTMG1nWlVzejNUQUt3eDZNUkdjTTdubW43YkVnbGpB?oc=5) · DogsBite Blog
- 2025-10-06 [Carolyn Sue Calhoun - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMie0FVX3lxTFBhQ2ZUZldGNGVFVzQwNjhMemRja0NCUjQ3a2h3MDBJcmZERU9FOFhQNmVuX1hwdXI0UDdKWTJDSHEzRnN4QkwtbHpjVGVQcDctaEtQNjVGSGxDQ0haZmFTamtlMDFxR0d3aUdRYm5rc1Rva0l0enc0TkVpOA?oc=5) · The Parkersburg News and Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=847 (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/15.json (key "847", 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