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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Whitesville, WV · FDIC certificate #16453
WHITESVILLE STATE BANK is an FDIC-insured institution based in Whitesville, WV (FDIC certificate #16453). In its Q3 2026 Call Report it reported total assets of $135M, total deposits of $124M and net loans of $76M. Its primary federal regulator is FDIC.
Plain-language readout
WHITESVILLE STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $138M in Q2 2026 and were lowest at $135M in Q3 2026.
Total deposits were highest at $126M in Q2 2026 and lowest at $124M in Q3 2026.
Over the whole period total assets fell 0.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $135M | $124M | $76M | 0.59% | 8.92% | 4.06% |
| Q2 2026 | $138M | $126M | $75M | 0.53% | 7.61% | 4.01% |
| Q1 2026 | $136M | $125M | $74M | 0.51% | 7.36% | 3.95% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.5M | $12.4M | -$2.0M | -15.9% |
| 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) | $44.3M | $42.0M | +$2.2M | +5.3% |
| 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) | $75.5M | $74.1M | +$1.4M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.1M | $1.1M | -$31K | -2.9% |
| Other real estate owned | $180K | $106K | +$74K | +69.8% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.2M | $6.1M | +$97K | +1.6% |
| Total assets | $137.6M | $135.8M | +$1.8M | +1.3% |
| Liabilities | ||||
| Total deposits | $126.3M | $124.8M | +$1.5M | +1.2% |
| 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 | $1.7M | $1.6M | +$20K | +1.2% |
| Total liabilities | $127.9M | $126.4M | +$1.5M | +1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $1.2M | $1.2M | $0K | 0.0% |
| Retained earnings | $12.3M | $12.2M | +$139K | +1.1% |
| Accumulated other comprehensive income | -$3.9M | -$4.1M | +$174K | +4.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.7M | $9.4M | +$313K | +3.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $673K | $832K | -$159K | -19.1% |
| Adjusted nonperforming assets | $673K | $832K | -$159K | -19.1% |
| Tangible equity plus allowance | $10.4M | $10.2M | +$297K | +2.9% |
| Texas ratio (gross) | 6.44% | 8.20% | -1.75 pts | See points |
| Texas ratio (adjusted) | 6.44% | 8.20% | -1.75 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.56% | 10.48% | -1.92 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.96% | 9.87% | +0.09 pts | See points |
| Construction and land loans to total capital | 20.37% | 15.64% | +4.73 pts | See points |
| Commercial real estate to total capital | 77.35% | 72.71% | +4.64 pts | See points |
| Dividend payout, year to date | 27.55% | 28.74% | -1.19 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -41.28% | -42.64% | +1.36 pts | See points |
| Liquidity | ||||
| Core deposits | $111.5M | $110.6M | +$870K | +0.8% |
| Non-core funding | $14.8M | $14.2M | +$611K | +4.3% |
| Loans to core deposits | 68.38% | 67.66% | +0.72 pts | See points |
| Loans to deposits | 60.35% | 59.95% | +0.40 pts | See points |
| Brokered deposits share of deposits | 0.19% | 0.20% | -0.00 pts | See points |
| Pledged securities share of securities | 5.09% | 5.35% | -0.27 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $14.8M | $14.2M | +$611K | +4.3% |
| Earnings | ||||
| Earnings before provision, year to date | $489K | $254K | +$235K | +92.5% |
| Earnings before provision, single quarter | $235K | $254K | -$19K | -7.5% |
| Provision for credit losses, year to date | $85K | $65K | +$20K | +30.8% |
| Yield and cost | ||||
| Yield on loans and leases | 7.71% | 7.69% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.06% | 1.64% | +1.43 pts | See points |
| Total interest income to average assets | 5.26% | 5.19% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 2.08% | 2.15% | -0.07 pts | See points |
| Cost of savings and money market deposits | 0.38% | 0.38% | -0.00 pts | See points |
| Cost of time deposits | 3.37% | 3.55% | -0.19 pts | See points |
| Total interest expense to average assets | 1.43% | 1.50% | -0.07 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 | $135M | $124M | $76M | 0.59% | 8.92% | 4.06% |
| 2026-06-30 | $138M | $126M | $75M | 0.53% | 7.61% | 4.01% |
| 2026-03-31 | $136M | $125M | $74M | 0.51% | 7.36% | 3.95% |
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 | $124.5M | 0.26% | 51 | 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.