Williamstown Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Williamstown Bank, Inc. is an FDIC-insured commercial bank headquartered in Williamstown, WV, established in 1919 (FDIC certificate 14744), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $236.7M, up 3.8% from Q2 2025, the 27th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14744
- Headquarters
- Williamstown, WV
- Established
- 1919
- Total assets, Q2 2026
- $236.7M
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 10.14%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 051503909
- Latest call report
- Q2 2026, FFIEC 051 · Williamstown Bank, Inc. call report
- Asset rank in state
- 27th of 40 in West Virginia
Williamstown Bank, Inc. spends more to run itself than most banks of its size. Its balance sheet stood at $237 million at June 30, 2026, up 3.8% from a year earlier; it is based in Williamstown, West Virginia. It spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.56 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, Williamstown Bank, Inc. reported a return on assets of 0.56%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.81%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Williamstown Bank, Inc. is the 27th largest of the 40 banks headquartered in West Virginia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $236.7M, loans rose 1.0% and deposits fell 0.2%. 1-4 family residential loans made up 48.1% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 12.3%. Its 4 offices in the FDIC Summary of Deposits are in Williamstown, WV and Parkersburg, WV; its Williamstown office books 56% of its branch deposits. Judged on its Q2 2026 call report, Williamstown Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 435 Highland Ave, Williamstown, WV 26187
- County
- Wood
- Metro Area
- Parkersburg-Vienna, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Former names
- The Williamstown National Bank (1964-2007)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $212.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $64K
- Average total assets
- $237.6M
- Average total loans
- $186.4M
- Average interest-bearing deposits
- $165.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 15, 1934
- FDIC Cert
- 14744
- Fed RSSD
- 918132
- Website
- www.williamstownbank.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, Williamstown Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Williamstown Bank, Inc.'s total assets moved between a low of $224.6M (Q4 2024) and a high of $236.9M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$236.7M total assets against $227.9M; $213.0M total liabilities against $205.3M.
$187.1M net loans and leases against $181.9M; $212.3M total deposits against $202.8M.
$18.5M securities against $18.5M; $17.1M cash and balances due against $13.0M.
$3.1M total interest income against $2.9M; $830K total interest expense against $839K.
$2.3M net interest income against $2.1M.
$270K total noninterest income against $265K; $2.1M total noninterest expense against $1.9M.
$38K provision for credit losses against $39K.
$330K net income against $340K.
0.56% return on assets against 0.60%; 4.26% net interest margin against 4.04%.
10.14% tier 1 leverage ratio against 10.32%.
Inside the full Williamstown Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWilliamstown Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,916 of 3,640, for Texas Ratio; its furthest is 3,254 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q3 2024) to 0.78% (Q4 2025) and its net interest margin ran from 3.63% (Q3 2024) to 4.35% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.14% | 0.56% | 0.37% | 2.81% | 4.26% |
| Q1 2026 | 10.36% | 0.65% | 0.36% | 2.73% | 4.16% |
| Q4 2025 | 10.48% | 0.78% | 0.30% | 2.24% | 4.35% |
| Q3 2025 | 10.38% | 0.68% | 0.38% | 2.89% | 4.22% |
| Q2 2025 | 10.32% | 0.60% | 0.35% | 2.67% | 4.04% |
| Q1 2025 | 10.33% | 0.56% | 0.25% | 1.87% | 3.85% |
| Q4 2024 | 10.13% | 0.48% | 0.19% | 1.45% | 3.67% |
| Q3 2024 | 10.25% | 0.42% | 0.14% | 1.03% | 3.63% |
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 |
|---|---|---|---|
| Williamstown Bank, Inc. (main office) | Williamstown , WV | 26187 | $119.3M |
| Parkersburg Office Branch | Parkersburg , WV | 26101 | $60.7M |
| South Parkersburg Office Branch | Parkersburg , WV | 26101 | $18.1M |
| Lubeck Office Branch | Parkersburg , WV | 26101 | $14.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in WV, rank 39 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 102 applications, 79 loans originated, $12.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $42K approved, $42K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Williamstown Bank, Inc.
What are Williamstown Bank, Inc.'s total assets?
As of the Q2 2026 filing, Williamstown Bank, Inc. reported total assets of $236.7 million in its FFIEC call report.
Where is Williamstown Bank, Inc. headquartered?
It is headquartered in Williamstown, WV, United States.
When was Williamstown Bank, Inc. founded?
It was established in 1919, per the FDIC institution directory.
Is Williamstown Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Williamstown Bank, Inc.?
Williamstown Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does Williamstown Bank, Inc. 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 Williamstown Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 2.81% 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.
What was Williamstown Bank, Inc. previously called?
The charter now named Williamstown Bank, Inc. has also operated as The Williamstown National Bank (1964-2007), per FDIC structure-change records.
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