Bank · FDIC insured
Pendleton Community Bank
A $849.7M bank headquartered in Franklin, WV, with 15 branches in 2 states. Best rates: CDs 3.82% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.82%CD rates →
- Savings742.15%3.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pendleton Community Bank
Founded in 1925 as Farmers and Merchants Bank, Pendleton Community Bank is owned by parent holding company Allegheny Bancshares, Inc.
Originally renamed Pendleton County Bank in 1937 and rebranded as Pendleton Community Bank in 2005, PCB operates financial centers across West Virginia and Virginia.
- Headquarters
- 128 N Main St, Franklin, WV 26807
- FDIC certificate
- 6176 ↗
Branches
15 branches in 2 states
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West Virginia
9 branches
Beckley area · 3
- Beckley Branch204 Pinewood Dr, Beckley, WV 25801Directions
- Mount Hope Branch602 Main St, Mount Hope, WV 25880Directions
- Oak Hill Branch835 Main St E, Oak Hill, WV 25901Directions
Franklin area · 1
- Pendleton Community Bank, Inc.Main office128 N Main St, Franklin, WV 26807Directions
Marlinton area · 1
- Marlinton Branch19180 Seneca Trail, Marlinton, WV 24954Directions
Moorefield area · 1
- Moorefield Branch402 S Main St, Moorefield, WV 26836Directions
Petersburg area · 1
- Petersburg Branch102 Virginia Ave, Petersburg, WV 26847Directions
Summersville area · 1
- Summersville Branch813 Main St, Summersville, WV 26651Directions
Wardensville area · 1
- Wardensville Branch25 W Main St, Wardensville, WV 26851Directions
Virginia
6 branches
Harrisonburg area · 4
- Bridgewater Branch317 N Main St, Bridgewater, VA 22812Directions
- Harrisonburg Branch41 Monte Vista Dr, Harrisonburg, VA 22802Directions
- Harrisonburg Downtown Branch57 S Main St, Harrisonburg, VA 22801Directions
- South Main2169 S Main St, Harrisonburg, VA 22801Directions
Staunton area · 2
- N Augusta Branch2201 N. Augusta Street, Staunton, VA 24401Directions
- Staunton Frontier Drive Branch478 Frontier Dr, Staunton, VA 24401Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.67% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.85% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.23% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $99 | $81 | — |
- CapitalLeverage ratio8.67%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.85%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.23%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$99Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Pendleton Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.