Woodsfield Savings Bank
Woodsfield, OH · Cert 32292 · Peer group: banks under $1B in assets in OH (n=68-71)
State charter, non-member · FDIC · 3 branches
Q2 2026
$123.3MAssets
$89.4MLoans
$112.7MDeposits
$10.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets in OH (rank 10 of 71).
- Widest gap: equity / assets trails 80% of banks under $1B in assets in OH (rank 57 of 71).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.07%
Rank 34 of 71
Net Interest Margin
4.35%
Rank 10 of 71
Efficiency Ratio
68.32%
Rank 33 of 71
Equity / Assets
8.15%
Rank 57 of 71
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 55% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.62% | 1.02% | 1.39% | Beats 52% | 34 / 71 | | |
| Return on Equity | 13.14% | 5.62% | 10.07% | 13.60% | Beats 72% | 20 / 71 | | |
| Net Interest Margin | 4.35% | 2.93% | 3.56% | 4.07% | Beats 86% | 10 / 71 | | |
| Efficiency Ratio | 68.32% | 55.94% | 70.77% | 78.80% | Beats 55% | 33 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.08% | 0.27% | 0.97% | Beats 28% | 50 / 68 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.05% | Beats 24% | 53 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 14.23% | 11.18% | 13.77% | 20.34% | Beats 51% | 35 / 71 | | |
| Total Risk-Based Capital Ratio | 15.48% | 12.08% | 14.34% | 21.24% | Beats 58% | 30 / 71 | | |
| Equity / Assets | 8.15% | 8.41% | 10.74% | 13.32% | Beats 20% | 57 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.34% | 64.48% | 76.81% | 87.49% | 60th pctl | 27 / 68 | | |
| Loans / Assets | 72.51% | 55.33% | 65.58% | 72.51% | 75th pctl | 18 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |