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Whitesville State Bank
Whitesville, WV · FDIC Certificate #16453 · Chartered 07/0
Total assets
$137.65M
Total deposits
$126.28M
Total equity
$9.70M
Net loans
$75.47M
Branches (offices)
5
Net income (YTD)
$363.00K
Rank: #3,404 of 4,213 U.S. banks by assets · #35 of 41 in West Virginia. Assets changed 2.8% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.53% |
| Return on equity | 7.61% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 7.05% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 59.8% |
| Real estate loans (share of loans) | 66.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $49.80M | 66.0% | |
| Commercial & industrial | $3.67M | 4.9% | |
| Consumer / individual | $23.25M | 30.8% | |
| Construction & development | $2.93M | 3.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $124.59M | $117.55M | $207.00K | $6.70M |
| Jun 2023 | $130.57M | $124.44M | $238.00K | $5.59M |
| Jun 2024 | $131.47M | $122.43M | $232.00K | $6.28M |
| Jun 2025 | $133.95M | $124.49M | $161.00K | $8.33M |
| Jun 2026 | $137.65M | $126.28M | $363.00K | $9.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $126.28M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $126.28M.
Similar-sized banks
Security First National Bank Of Hugo ($137.73M) · State Bank Of Cherry ($137.62M)
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.
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