Advertisement
The First National Bank Of Williamson
Williamson, WV · FDIC Certificate #6805 · Chartered 06/1
Total assets
$120.28M
Total deposits
$95.88M
Total equity
$22.80M
Net loans
$80.64M
Branches (offices)
4
Net income (YTD)
-$226.00K
Rank: #3,525 of 4,213 U.S. banks by assets · #37 of 41 in West Virginia. Assets changed 11.0% and deposits -3.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.38% |
| Return on equity | -1.97% |
| Net interest margin (YTD) | 3.71% |
| Equity to assets | 18.95% |
| Tier 1 leverage ratio | 20.13% |
| Uninsured deposits (share of deposits) | 19.1% |
| Noncurrent loans (share of loans) | 2.78% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 84.1% |
| Real estate loans (share of loans) | 90.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $72.58M | 90.0% | |
| Commercial & industrial | $4.21M | 5.2% | |
| Consumer / individual | $4.53M | 5.6% | |
| Construction & development | $2.13M | 2.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $103.41M | $95.54M | $516.00K | $6.35M |
| Jun 2023 | $113.43M | $102.86M | $326.00K | $6.52M |
| Jun 2024 | $115.67M | $107.64M | -$86.00K | $6.65M |
| Jun 2025 | $108.40M | $99.80M | -$26.00K | $7.12M |
| Jun 2026 | $120.28M | $95.88M | -$226.00K | $22.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $72.30M | 2 |
| Kentucky | $23.58M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $95.88M.
Similar-sized banks
Custer Federal State Bank ($120.74M) · United Bank & Trust Co. ($120.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement