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Hancock County Savings Bank, F.S.B.
Chester, WV · FDIC Certificate #29035 · Chartered 01/0
Total assets
$508.03M
Total deposits
$401.21M
Total equity
$92.39M
Net loans
$429.06M
Branches (offices)
3
Net income (YTD)
$2.40M
Rank: #1,765 of 4,213 U.S. banks by assets · #13 of 41 in West Virginia. Assets changed 3.8% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 5.26% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 18.19% |
| Tier 1 leverage ratio | 18.37% |
| Uninsured deposits (share of deposits) | 7.9% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 106.9% |
| Real estate loans (share of loans) | 97.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $419.42M | 97.8% | |
| Commercial & industrial | $805.00K | 0.2% | |
| Consumer / individual | $13.62M | 3.2% | |
| Construction & development | $8.08M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $448.39M | $347.77M | $1.87M | $79.40M |
| Jun 2023 | $457.40M | $357.15M | $1.89M | $81.41M |
| Jun 2024 | $473.38M | $371.80M | $1.64M | $84.69M |
| Jun 2025 | $489.40M | $384.90M | $1.76M | $88.00M |
| Jun 2026 | $508.03M | $401.21M | $2.40M | $92.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $401.21M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $401.21M.
Similar-sized banks
Eagle Rock Bank ($508.18M) · Grand River Bank ($507.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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