Whitesville State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 15.11 percentage points in Q2 2026, from 89.79% to 104.90%. It was the largest change from Q1 2026 among the key lines here. Within West Virginia, Whitesville State Bank is 36th of 41 on return on assets, 0.55% as of Q2 2026, below the middle of the field. Whitesville State Bank's return on assets of 0.55% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.96% |
| Equity capital to assets | 7.05% |
| Tangible equity to tangible assets | 7.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.94% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 8.56% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 104.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.55% |
| Return on equity | 7.92% |
| Net interest margin | 3.95% |
| Efficiency ratio | 85.03% |
| Yield on earning assets | 5.41% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.35% |
| Core deposits to total deposits | 88.26% |
| Brokered deposits to total deposits | 0.19% |
| Deposits to assets | 91.75% |
| Securities to assets | 32.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.80% | 15.80% | 16.83% | 8.99% | 0.48% |
| Q4 2023 | 16.07% | 16.07% | 17.20% | 9.15% | 0.77% |
| Q1 2024 | 16.28% | 16.28% | 17.34% | 8.89% | 0.31% |
| Q2 2024 | 16.41% | 16.41% | 17.45% | 8.99% | 0.39% |
| Q3 2024 | 16.57% | 16.57% | 17.58% | 9.12% | 0.56% |
| Q4 2024 | — | — | — | 9.17% | 0.49% |
| Q1 2025 | — | — | — | 10.16% | 0.99% |
| Q2 2025 | — | — | — | 9.92% | -0.50% |
| Q3 2025 | — | — | — | 10.04% | 0.70% |
| Q4 2025 | — | — | — | 9.91% | -0.06% |
| Q1 2026 | — | — | — | 9.87% | 0.51% |
| Q2 2026 | — | — | — | 9.96% | 0.55% |
Whitesville State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitesville State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Whitesville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16453) · FFIEC NIC profile (RSSD 732637)