Putnam County Bank vs First Choice America Community
Comparing a Bank in Hurricane, WV with a Credit Union in Weirton, WV using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Putnam County Bank ↗ Bank · Hurricane, WV · Est. 1901 | First Choice America Community ↗ Credit Union · Weirton, WV · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Hurricane, WV | Weirton, WV |
| Total assets | $709.8M | $704.4M |
| Capital ratio | 11.6% | 17.9% |
| Return on assets | 1.0% | 1.6% |
| Deposits | $622.8M | — |
| Branches | 5 | 30,677 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 41 | #2 of 73 |
| Established | 1901 | 1939 |
Putnam County Bank
- Assets: $709.8M
- Deposits: $622.8M
- Capital ratio: 11.6%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #2 of 41
First Choice America Community
- Assets: $704.4M
- Members: 30,677
- Capital ratio: 17.9%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #2 of 73
Are both institutions federally insured?
Yes. Putnam County Bank is FDIC-insured and First Choice America Community is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Putnam County Bank or First Choice America Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Putnam County Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Putnam County Bank safe?
Yes — Putnam County Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First Choice America Community safe?
Yes — First Choice America Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Putnam County Bank vs First Choice America Community?
Putnam County Bank has a capital ratio of 11.6%, placing it in the top 31% of $100M–1B peers. First Choice America Community's ratio is 17.9%, placing it in the top 5% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Putnam County Bank have compared to First Choice America Community?
The CFPB database shows 0 complaints against Putnam County Bank, and 0 complaints against First Choice America Community. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Putnam County Bank with other Banks in West Virginia
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
