WHITESVILLE STATE BANK

WHITESVILLE, WV | Small | Est. July 8, 1946, midnight | FDIC #16453 | RSSD #732637 | FDIC
Latest Report: 2025-12-31

WHITESVILLE STATE BANK is asn small FDIC-insured commercial bank headquartered in WHITESVILLE, WV, established in July 8, 1946, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $125M. Profitability stands at -0.06% ROA and -0.90% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 6.91%. Asset quality metrics show a non-performing loan ratio of 0.84% and a Texas Ratio of 6.97%. FDIC Certificate #16453. The institution operates 1 domestic branch.

Assets

$138M

Deposits

$125M

Loans

$75M

Equity

$10M

Profitability

Return on Assets (ROA) -0.06%
Return on Equity (ROE) -0.90%
Net Interest Margin (NIM) 3.92%
Yield on Assets 5.68%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 0.84%
Net Charge-Off Ratio 0.09%
Texas Ratio 6.97%
NPA Ratio 0.52%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 6.91%
Tier 1 Capital 6.91%
Total Capital Ratio 7.25%
Leverage Ratio 9.91%
Loan-to-Deposit 59.55%

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