FIRST NATIONAL BANK OF WILLIAMSON, THE

WILLIAMSON, WV | Small | Est. June 11, 1903, midnight | FDIC #6805 | RSSD #917630 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF WILLIAMSON, THE is asn small FDIC-insured commercial bank headquartered in WILLIAMSON, WV, established in June 11, 1903, midnight. As of 2025-12-31, the bank reported total assets of $119M and total deposits of $94M. Profitability stands at 0.02% ROA and 0.12% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 37.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.57% and a Texas Ratio of 8.51%. FDIC Certificate #6805.

Assets

$119M

Deposits

$94M

Loans

$76M

Equity

$23M

Profitability

Return on Assets (ROA) 0.02%
Return on Equity (ROE) 0.12%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.49%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 2.57%
Net Charge-Off Ratio 0.16%
Texas Ratio 8.51%
NPA Ratio 1.74%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 37.98%
Tier 1 Capital 37.98%
Total Capital Ratio 39.24%
Leverage Ratio 19.94%
Loan-to-Deposit 80.44%

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