Williamstown Bank, Inc.
Williamstown, WV · Cert 14744 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
$236.7MAssets
$188.5MLoans
$212.3MDeposits
$23.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 55% of banks under $1B in assets operating in a single state (rank 337 of 746).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating in a single state (rank 677 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.60%
Rank 608 of 746
Net Interest Margin
3.79%
Rank 337 of 746
Efficiency Ratio
80.17%
Rank 618 of 746
Equity / Assets
10.00%
Rank 428 of 746
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 17% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.72% | 1.06% | 1.45% | Beats 18% | 608 / 746 | |
| Return on Equity | 5.96% | 6.74% | 10.51% | 13.63% | Beats 22% | 585 / 746 | |
| Net Interest Margin | 3.79% | 3.17% | 3.68% | 4.16% | Beats 55% | 337 / 746 | |
| Efficiency Ratio | 80.17% | 55.74% | 64.58% | 75.47% | Beats 17% | 618 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.07% | Beats 54% | 342 / 743 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 17% | 620 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.14% | 11.55% | 13.75% | 17.60% | Beats 10% | 671 / 746 | |
| Total Risk-Based Capital Ratio | 10.14% | 11.71% | 14.33% | 18.43% | Beats 9% | 677 / 746 | |
| Equity / Assets | 10.00% | 8.90% | 10.51% | 13.06% | Beats 43% | 428 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 88.79% | 61.31% | 78.27% | 90.78% | 71st pctl | 216 / 746 | |
| Loans / Assets | 79.64% | 53.60% | 66.97% | 76.08% | 85th pctl | 115 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |