Whitesville State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Whitesville State Bank of Whitesville, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.55% | 1.35% | -0.80% | 14th bottom |
| ROAE | 7.92% | 12.06% | -4.14% | 25th below |
| Net Interest Margin | 3.95% | 3.90% | +0.05% | 50th above |
| Efficiency Ratio | 85.03% | 63.14% | +21.89% | 10th bottom |
| PPNR / Avg Assets | 0.69% | 1.64% | -0.95% | 12th bottom |
| Yield on Earning Assets | 5.41% | 5.65% | -0.24% | 40th below |
| Cost of Funds | 1.55% | 1.85% | -0.30% | 66th above |
| Net Interest Spread | 3.31% | 3.35% | -0.04% | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.92% | +0.02% | 30th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.65% | 0.67% | -0.02% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.15% | -0.06% | 20th bottom |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) | 104.90% | 1645.79% | -1540.89% | 29th below |
| Texas Ratio | 8.56% | 7.15% | +1.41% | 26th below |
| Provision / NCO | 98.48% | 1189.86% | -1091.38% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.96% | 12.46% | -2.50% | 30th below |
| Equity / Assets | 7.05% | 11.67% | -4.62% | 7th bottom |
| TCE / Tangible Assets | 7.05% | 11.40% | -4.35% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.35% | 78.65% | -18.30% | 83rd top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.26% | 87.09% | +1.17% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.76% | 6.48% | -3.72% | 38th below |
| Loan Growth (Y/Y) | 9.26% | 7.64% | +1.62% | 71st above |
| Deposit Growth (Y/Y) | 1.44% | 6.02% | -4.58% | 32nd below |
See Whitesville State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Whitesville State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Whitesville State Bank profile, how to read a UBPR, or how this data updates.