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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Williamstown, WV · FDIC certificate #14744
WILLIAMSTOWN BANK INC is an FDIC-insured institution based in Williamstown, WV (FDIC certificate #14744). In its Q3 2026 Call Report it reported total assets of $236M, total deposits of $212M and net loans of $190M. Its primary federal regulator is FDIC.
Plain-language readout
WILLIAMSTOWN BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $237M in Q1 2026 and were lowest at $236M in Q3 2026.
Total deposits were highest at $213M in Q1 2026 and lowest at $212M in Q3 2026.
Over the whole period total assets fell 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $236M | $212M | $190M | 0.68% | 6.76% | 4.36% |
| Q2 2026 | $237M | $212M | $187M | 0.60% | 6.00% | 4.24% |
| Q1 2026 | $237M | $213M | $185M | 0.64% | 6.41% | 4.15% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.9M | $19.6M | -$2.7M | -13.8% |
| Federal funds sold | $160K | $64K | +$96K | +150.0% |
| 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) | $18.5M | $18.0M | +$466K | +2.6% |
| 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) | $187.1M | $185.1M | +$2.0M | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.8M | $8.8M | -$61K | -0.7% |
| 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 | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.2M | $5.3M | -$20K | -0.4% |
| Total assets | $236.7M | $237.0M | -$262K | -0.1% |
| Liabilities | ||||
| Total deposits | $212.3M | $212.8M | -$500K | -0.2% |
| 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 | $728K | $717K | +$11K | +1.5% |
| Total liabilities | $213.0M | $213.5M | -$489K | -0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $513K | $513K | $0K | 0.0% |
| Retained earnings | $23.3M | $23.2M | +$141K | +0.6% |
| Accumulated other comprehensive income | -$417K | -$503K | +$86K | +17.1% |
| Other equity components | -$26K | -$26K | $0K | 0.0% |
| Total equity capital | $23.7M | $23.4M | +$227K | +1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $704K | $680K | +$24K | +3.5% |
| Adjusted nonperforming assets | $704K | $680K | +$24K | +3.5% |
| Tangible equity plus allowance | $25.1M | $24.9M | +$147K | +0.6% |
| Texas ratio (gross) | 2.81% | 2.73% | +0.08 pts | See points |
| Texas ratio (adjusted) | 2.81% | 2.73% | +0.08 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.81% | 2.73% | +0.08 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) | 10.14% | 10.36% | -0.22 pts | See points |
| Construction and land loans to total capital | 29.69% | 28.98% | +0.71 pts | See points |
| Commercial real estate to total capital | 101.68% | 102.91% | -1.22 pts | See points |
| Dividend payout, year to date | 53.48% | 50.40% | +3.08 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.34% | -2.83% | +0.50 pts | See points |
| Liquidity | ||||
| Core deposits | $193.8M | $194.3M | -$575K | -0.3% |
| Non-core funding | $18.5M | $18.4M | +$75K | +0.4% |
| Loans to core deposits | 97.28% | 96.02% | +1.25 pts | See points |
| Loans to deposits | 88.79% | 87.70% | +1.09 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 10.58% | 10.57% | +0.01 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $18.5M | $18.4M | +$75K | +0.4% |
| Earnings | ||||
| Earnings before provision, year to date | $994K | $500K | +$494K | +98.8% |
| Earnings before provision, single quarter | $494K | $500K | -$6K | -1.2% |
| Provision for credit losses, year to date | $75K | $37K | +$38K | +102.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.13% | 5.97% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.89% | 3.72% | +0.17 pts | See points |
| Total interest income to average assets | 5.29% | 5.18% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.84% | 0.80% | +0.04 pts | See points |
| Cost of savings and money market deposits | 1.50% | 1.43% | +0.08 pts | See points |
| Cost of time deposits | 3.23% | 3.30% | -0.06 pts | See points |
| Total interest expense to average assets | 1.40% | 1.39% | +0.00 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 | $236M | $212M | $190M | 0.68% | 6.76% | 4.36% |
| 2026-06-30 | $237M | $212M | $187M | 0.60% | 6.00% | 4.24% |
| 2026-03-31 | $237M | $213M | $185M | 0.64% | 6.41% | 4.15% |
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 | $202.8M | 0.43% | 39 | 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.