Pendleton Community Bank Inc (FDIC #6176): Bank Stress & Real-Estate Credit Exposure
Pendleton Community Bank Inc (FDIC Cert #6176): bank stress 71/100, elevated, STABLE over 7 days; parent ALLEGHENY BANCSHARES INC.
Pendleton Community Bank Inc (#6176) lends in 11 counties across 2 states; Pendleton Community Bank Inc (#6176) reaches 200 ZIP codes: West Virginia 7 counties, 153 ZIPs; Virginia 4 counties, 47 ZIPs.
Pendleton Community Bank Inc (#6176) largest markets: Fayette County, WV (90 branches, 45 ZIPs) (#6176), Raleigh County, WV (45 branches, 45 ZIPs) (#6176), Augusta County, VA (28 branches, 28 ZIPs) (#6176), Nicholas County, WV (27 branches, 27 ZIPs) (#6176), Rockingham County, VA (44 branches, 22 ZIPs) (#6176), Pocahontas County, WV (13 branches, 13 ZIPs) (#6176).
Pendleton Community Bank Inc (#6176) reports $849.7 million in total assets; Pendleton Community Bank Inc (#6176) equity $73.0 million (8.6% of Pendleton Community Bank Inc (#6176) assets); Pendleton Community Bank Inc (#6176) domestic deposits $718.6 million; Pendleton Community Bank Inc (#6176) net income $5.1 million; Pendleton Community Bank Inc (#6176) return on assets 1.23%; Pendleton Community Bank Inc (#6176) return on equity 14.30%; Pendleton Community Bank Inc (#6176) net interest income $17.1 million; Pendleton Community Bank Inc (#6176) call report June 30, 2026.
Pendleton Community Bank Inc (#6176) noncurrent real-estate loans 0.01% of its book; Pendleton Community Bank Inc (#6176) net charge-offs on real estate 1.04%; Pendleton Community Bank Inc (#6176) residential charge-offs 1.28%.
Pendleton Community Bank Inc (#6176) net interest margin 4.43% against an eight-quarter Pendleton Community Bank Inc (#6176) average of 4.07% (Pendleton Community Bank Inc (#6176) compression -0.36 points); Pendleton Community Bank Inc (#6176) real-estate loans 0.8% of equity; Pendleton Community Bank Inc (#6176) non-residential real estate 128.5% of equity; Pendleton Community Bank Inc (#6176) rate-exposure score 40/100, Pendleton Community Bank Inc (#6176) fixed-rate trap 40/100; Pendleton Community Bank Inc (#6176) risk type credit driven; Pendleton Community Bank Inc (#6176) rate regime rates elevated, Pendleton Community Bank Inc (#6176) snapshot October 19, 2026.
Pendleton Community Bank Inc (#6176) stress score moved from 69.1 on June 22, 2026 to 70.9 on October 19, 2026; Pendleton Community Bank Inc (#6176) ranged 69.1 to 70.9 over 116 snapshots.
Pendleton Community Bank Inc (#6176) alerts: 9 counties; top Pendleton Community Bank Inc (#6176) alert scores: Beckley County, WV 23 (low); Franklin County, WV 23 (low); Harrisonburg County, WV 23 (low); Marlinton County, WV 23 (low); Oak Hill County, WV 23 (low).