The First National Bank of Williamson
Also written as FNB of Williamson
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Williamson is an FDIC-insured commercial bank headquartered in Williamson, WV, established in 1903 (FDIC certificate 6805), and it is supervised by the OCC. At Q2 2026 it reported total assets of $120.3M, up 11.0% from Q2 2025, the 36th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6805
- Headquarters
- Williamson, WV
- Established
- 1903
- Total assets, Q2 2026
- $120.3M
- Assets vs Q2 2025
- +11.0%
- Tier 1 leverage ratio, Q2 2026
- 20.13%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 051501257
- Latest call report
- Q2 2026, FFIEC 041 · The First National Bank of Williamson call report
- Asset rank in state
- 36th of 40 in West Virginia
Problem loans are rising at The First National Bank of Williamson. Its balance sheet stood at $120 million at June 30, 2026, up 11.0% from a year earlier; it is based in Williamson, West Virginia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.78% of loans from 1.86% a year earlier. It loses about $0.58 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 116 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $172,000 in the quarter. Over the same year, loans grew 9.3% and deposits shrank 3.9%. Credit is the area to watch: it carries problem assets equal to 9.6% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, The First National Bank of Williamson reported a return on assets of -0.58%, a nonperforming-loan ratio of 2.78% and a Texas ratio of 9.59%. The figures come from its call report filed with the FFIEC.
The First National Bank of Williamson ranks as the 36th largest of the 40 banks based in West Virginia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 6.0% to $120.3M, loans rose 5.5% and deposits rose 7.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.6%. Its 4 offices in the FDIC Summary of Deposits are in Williamson, WV, Pikeville, KY and Fort Wright, KY; its Williamson 2 offices book 75% of its branch deposits. On its Q2 2026 call report, The First National Bank of Williamson meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 68 E 2nd Ave, Williamson, WV 25661
- County
- Mingo
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 11, 1903
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $95.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $76K
- Average total assets
- $117.7M
- Average total loans
- $79.5M
- Average interest-bearing deposits
- $69.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6805
- Fed RSSD
- 917630
- Website
- www.yourfnbonline.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Williamson reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank of Williamson's total assets moved between a low of $108.4M (Q2 2025) and a high of $120.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$120.3M total assets against $108.4M; $97.5M total liabilities against $101.3M.
$80.6M net loans and leases against $73.6M; $95.9M total deposits against $99.8M.
$15.1M securities against $20.8M; $21.7M cash and balances due against $12.6M.
$1.5M total interest income against $1.4M; $410K total interest expense against $626K.
$1.1M net interest income against $819K.
$274K total noninterest income against $258K; $1.6M total noninterest expense against $965K.
$16K provision for credit losses against $0.
-$172K net income against $112K.
-0.58% return on assets against 0.39%; 3.80% net interest margin against 2.90%.
20.13% tier 1 leverage ratio against 7.95%.
Inside the full The First National Bank of Williamson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Williamson rankings
Its closest position to the top of a national ranking is 678 of 3,640, for Texas Ratio; its furthest is 3,589 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.58% (Q2 2026) to 0.39% (Q2 2025) and its net interest margin ran from 2.22% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.13% | -0.58% | 2.78% | 9.59% | 3.80% |
| Q1 2026 | 20.21% | -0.18% | 3.56% | 11.94% | 3.46% |
| Q4 2025 | 19.94% | 0.02% | 3.36% | 10.97% | 3.34% |
| Q3 2025 | 21.89% | -0.46% | 3.22% | 10.58% | 3.11% |
| Q2 2025 | 7.95% | 0.39% | 1.86% | 16.82% | 2.90% |
| Q1 2025 | 7.62% | -0.47% | 1.68% | 15.50% | 2.23% |
| Q4 2024 | 7.65% | -0.18% | 2.24% | 21.13% | 2.31% |
| Q3 2024 | 7.71% | 0.07% | 1.69% | 15.72% | 2.22% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Williamson | Williamson , WV | 25661 | $69.5M |
| The First National Bank of Williamson Branch | Pikeville , KY | 41501 | $23.6M |
| The First National Bank of Williamson Branch | Williamson , WV | 25661 | $2.8M |
| Fort Wright Branch | Fort Wright , KY | 41011 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- November 12, 2024, OCC: Formal Agreement: The First National Bank of Williamson
- Period: Most recent institution action November 12, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WV, rank 56 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $72K approved, $72K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Williamson
What are The First National Bank of Williamson's total assets?
As of the Q2 2026 filing, The First National Bank of Williamson reported total assets of $120.3 million in its FFIEC call report.
Where is The First National Bank of Williamson headquartered?
It is headquartered in Williamson, WV, United States.
When was The First National Bank of Williamson founded?
It was established in 1903, per the FDIC institution directory.
Is The First National Bank of Williamson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Williamson?
The First National Bank of Williamson's primary federal regulator is the OCC.
How many branches does The First National Bank of Williamson operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Williamson's Texas Ratio?
Its Texas Ratio is 9.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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