WOODSFIELD SAVINGS BANK

WOODSFIELD, OH | Small | Est. March 12, 1887, midnight | FDIC #32292 | RSSD #97279 | FDIC
Latest Report: 2025-12-31

WOODSFIELD SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in WOODSFIELD, OH, established in March 12, 1887, midnight. As of 2025-12-31, the bank reported total assets of $115M and total deposits of $105M. Profitability stands at 0.88% ROA and 10.43% ROE, with a net interest margin of 4.79%. The bank's CET1 capital ratio is 14.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 4.42%. FDIC Certificate #32292.

Assets

$115M

Deposits

$105M

Loans

$85M

Equity

$10M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 10.43%
Net Interest Margin (NIM) 4.79%
Yield on Assets 6.03%
Cost of Funds 1.63%

Asset Quality

NPL Ratio 0.54%
Net Charge-Off Ratio 0.08%
Texas Ratio 4.42%
NPA Ratio 0.40%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 14.21%
Tier 1 Capital 14.21%
Total Capital Ratio 15.46%
Leverage Ratio 8.73%
Loan-to-Deposit 81.46%

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