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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ravenswood, WV · FDIC certificate #29490
FIRST FS&LA OF RAVENSWOOD is an FDIC-insured institution based in Ravenswood, WV (FDIC certificate #29490). In its Q3 2026 Call Report it reported total assets of $27M, total deposits of $24M and net loans of $20M. Its primary federal regulator is OCC.
Plain-language readout
FIRST FS&LA OF RAVENSWOOD has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $27M in Q1 2026 and were lowest at $26M in Q2 2026.
Total deposits were highest at $24M in Q1 2026 and lowest at $23M in Q2 2026.
Over the whole period total assets fell 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $27M | $24M | $20M | 0.34% | 3.29% | 2.37% |
| Q2 2026 | $26M | $23M | $20M | 0.30% | 2.91% | 2.28% |
| Q1 2026 | $27M | $24M | $20M | 0.24% | 2.34% | 2.19% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.2M | $6.9M | -$738K | -10.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $2K | $2K | $0K | 0.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $19.6M | $19.7M | -$114K | -0.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $378K | $382K | -$4K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $1K | $1K | $0K | 0.0% |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $153K | $150K | +$3K | +2.0% |
| Total assets | $26.3M | $27.1M | -$853K | -3.1% |
| Liabilities | ||||
| Total deposits | $23.5M | $24.2M | -$722K | -3.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $53K | $209K | -$156K | -74.6% |
| Total liabilities | $23.5M | $24.4M | -$878K | -3.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $2.8M | $2.7M | +$25K | +0.9% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $2.8M | $2.7M | +$25K | +0.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $218K | $217K | +$1K | +0.5% |
| Adjusted nonperforming assets | $218K | $217K | +$1K | +0.5% |
| Tangible equity plus allowance | $2.9M | $2.9M | +$25K | +0.9% |
| Texas ratio (gross) | 7.57% | 7.60% | -0.03 pts | See points |
| Texas ratio (adjusted) | 7.57% | 7.60% | -0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 7.57% | 7.60% | -0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | 23.15% | 22.89% | +0.26 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 23.15% | 22.89% | +0.26 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.95% | 0.94% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 24.10% | 23.83% | +0.27 pts | See points |
| Tier 1 leverage (approximate) | 10.43% | 10.12% | +0.32 pts | See points |
| Construction and land loans to total capital | 11.91% | 10.61% | +1.30 pts | See points |
| Commercial real estate to total capital | 34.17% | 33.31% | +0.86 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $19.6M | $20.1M | -$488K | -2.4% |
| Non-core funding | $3.8M | $4.1M | -$234K | -5.8% |
| Loans to core deposits | 100.20% | 98.34% | +1.86 pts | See points |
| Loans to deposits | 83.87% | 81.84% | +2.03 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 82.86% | 89.96% | -7.10 pts | See points |
| Volatile liabilities | $3.8M | $4.1M | -$234K | -5.8% |
| Earnings | ||||
| Earnings before provision, year to date | $53K | $22K | +$31K | +140.9% |
| Earnings before provision, single quarter | $31K | $22K | +$9K | +40.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.54% | 5.50% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 4.14% | 4.02% | +0.12 pts | See points |
| Total interest income to average assets | 5.10% | 5.00% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | Not reported | Not reported | Not reported | See points |
| Cost of savings and money market deposits | 0.29% | 0.27% | +0.02 pts | See points |
| Cost of time deposits | 3.75% | 3.90% | -0.15 pts | See points |
| Total interest expense to average assets | 2.78% | 2.89% | -0.12 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $27M | $24M | $20M | 0.34% | 3.29% | 2.37% |
| 2026-06-30 | $26M | $23M | $20M | 0.30% | 2.91% | 2.28% |
| 2026-03-31 | $27M | $24M | $20M | 0.24% | 2.34% | 2.19% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WV | $22.9M | 0.05% | 67 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.