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Williamstown Bank, Inc.
Williamstown, WV · FDIC Certificate #14744 · Chartered 01/0
Total assets
$236.69M
Total deposits
$212.28M
Total equity
$23.68M
Net loans
$187.10M
Branches (offices)
4
Net income (YTD)
$705.00K
Rank: #2,782 of 4,213 U.S. banks by assets · #27 of 41 in West Virginia. Assets changed 3.8% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 6.00% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 10.00% |
| Tier 1 leverage ratio | 10.14% |
| Uninsured deposits (share of deposits) | 8.2% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 88.1% |
| Real estate loans (share of loans) | 75.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $140.67M | 75.2% | |
| Commercial & industrial | $21.53M | 11.5% | |
| Consumer / individual | $23.27M | 12.4% | |
| Construction & development | $7.57M | 4.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $204.44M | $182.94M | $455.00K | $20.61M |
| Jun 2023 | $222.81M | $190.90M | $976.00K | $21.54M |
| Jun 2024 | $226.62M | $200.73M | $466.00K | $22.00M |
| Jun 2025 | $227.92M | $202.80M | $651.00K | $22.64M |
| Jun 2026 | $236.69M | $212.28M | $705.00K | $23.68M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $212.28M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $212.28M.
Similar-sized banks
Alpine Capital Bank ($237.31M) · Cypress Bank, SSB ($235.54M)
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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