THE VINTON COUNTY NATIONAL BANK
Total assets
$1.59B
▲ +5.9% YoY
Deposits
$1.39B
▲ +5.1% YoY
Loans
$1.12B
▲ +7.2% YoY
Offices
17
COMMUNITY BANCSHARES INC
ROA (annualized)
1.29%
peers 1.26%
ROE (annualized)
12.43%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.1 pts |
| Loan growth (YoY) | +7.2% | +5.9% | +1.3 pts |
| ROA | 1.29% | 1.26% | +0.0 pts |
| ROE | 12.4% | 12.2% | +0.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
Profile
- Established
- 1867
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- COMMUNITY BANCSHARES INC
- Specialization
- All Other Over 1 Billion
- Address
- 203 West Main Street, Mcarthur, OH, 45651
- County
- Vinton
- Offices
- 17
- FDIC cert #
- 6636
- RSSD ID
- 754826
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.59B | $1.39B | $1.12B | $167.3M | $10.1M | 1.29% | 3.88% | 0.19% |
| Q1 2026 | $1.58B | $1.39B | $1.09B | $162.1M | $4.9M | 1.25% | 3.77% | 0.21% |
| Q4 2025 | $1.54B | $1.35B | $1.08B | $159.4M | $16.3M | 1.07% | 3.60% | 0.17% |
| Q3 2025 | $1.55B | $1.37B | $1.07B | $155.1M | $10.9M | 0.96% | 3.50% | 0.15% |
| Q2 2025 | $1.50B | $1.33B | $1.05B | $148.7M | $6.3M | 0.84% | 3.41% | 0.18% |
| Q1 2025 | $1.54B | $1.37B | $1.02B | $146.2M | $3.0M | 0.80% | 3.22% | 0.17% |
| Q4 2024 | $1.48B | $1.31B | $1.00B | $143.2M | $10.9M | 0.75% | 3.08% | 0.19% |
| Q3 2024 | $1.48B | $1.32B | $1.00B | $143.6M | $7.3M | 0.68% | 3.00% | 0.24% |
Loan mix (Q2 2026): real estate $847.0M · commercial $63.5M · consumer $202.0M · securities $331.9M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.26% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.2% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.70% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 59.0% | 50th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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