Bank call report · Williamstown, WV
Williamstown Bank, Inc. Call Report
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Williamstown Bank, Inc. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 256 reported line items, schedule by schedule (426 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 918132 |
| FDIC certificate number | 14744 |
| Total assets | $236.7M |
Official Q2 2026 call report PDF (FFIEC) →
Williamstown Bank, Inc. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Williamstown Bank, Inc. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $236.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $236.7M |
| Total Liabilities and Minority Interest | RCON2948 | $213.0M |
| Total Deposits | RCON2200 | $212.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $188.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $187.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $167.1M |
| Deposits: Noninterest-bearing | RCON6631 | $45.2M |
| Total Equity Capital | RCON3210 | $23.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $23.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $23.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $18.5M |
| Interest-bearing Balances | RCON0071 | $8.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $8.1M |
| Other Assets | RCON2160 | $5.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.4M |
| Other Liabilities, Total | RCON2930 | $728K |
| Surplus | RCON3839 | $513K |
| Accumulated Other Comprehensive Income | RCONB530 | -$417K |
| Common Stock | RCON3230 | $300K |
| Federal Funds Sold | RCONB987 | $160K |
| Other Components of Equity Capital | RCONA130 | -$26K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Williamstown Bank, Inc. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $5.6M |
| Net Interest Income | RIAD4074 | $4.5M |
| Total Noninterest Expense | RIAD4093 | $4.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.6M |
| Salaries and Employee Benefits | RIAD4135 | $2.0M |
| Total Interest Expense | RIAD4073 | $1.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.5M |
| Other Noninterest Expense | RIAD4092 | $1.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $937K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $919K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $919K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $705K |
| Net Income (Loss) | RIAD4340 | $705K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $705K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $703K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $628K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $518K |
| Total Noninterest Income | RIAD4079 | $515K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $461K |
| Other Noninterest Income | RIADB497 | $411K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $313K |
| Applicable Income Taxes | RIAD4302 | $214K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $204K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $158K |
| Interest on Other Securities | RIAD4060 | $157K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $142K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $97K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $75K |
| Provision for Loan and Lease Losses | RIAD4230 | $75K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $75K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $66K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $55K |
| Noninterest income: Income from insurance activities | RIADHT74 | $7K |
| Other Interest Income | RIAD4518 | $4K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 56 |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · Williamstown Bank, Inc. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $19.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $9.4M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $9.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $6.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $5.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $5.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $3.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $3.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $3.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.3M |
| Pledged Securities | RCON0416 | $2.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $1.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.6M |
| Amortized Cost of Structured Notes | RCON8782 | $1.5M |
| Fair Value of Structured Notes | RCON8783 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $1.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $885K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $537K |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $212K |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $188K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $23K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $4K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Williamstown Bank, Inc. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $188.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $77.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $72.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $68.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $61.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $23.2M |
| Commercial and Industrial Loans | RCON1766 | $21.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $19.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $13.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $13.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $9.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $8.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $7.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $7.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $7.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $6.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $6.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $4.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $3.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.0M |
| Other Loans | RCONJ464 | $3.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $1.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $989K |
| Real Estate Loans Secured by Farmland | RCON1420 | $920K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $377K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $16.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $9.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $5.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $721K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $478K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $384K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $57K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 173 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 47 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 45 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 33 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 23 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 20 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Williamstown Bank, Inc. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $132.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $132.6M |
| Total Transaction Accounts | RCON2215 | $79.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $77.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $63.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $45.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $37.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $26.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $24.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $19.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $18.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $15.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $13.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $11.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $6.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $6.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $2.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $630K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $152K |
| Total Nontransaction Accounts of United States Government | RCON2520 | $45K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $1K |
Schedule RC-F: Other Assets (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.4M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.2M |
| Accrued Interest Receivable | RCONB556 | $755K |
| Other Assets | RCON2168 | $645K |
| Prepaid Expenses | RCON2166 | $253K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $247K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $197K |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $75K |
| Net Deferred Tax Assets | RCON2148 | $62K |
Schedule RC-G: Other Liabilities (4 items)
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Williamstown Bank, Inc. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $237.6M |
| Quarterly Average of Total Loans | RCON3360 | $186.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $98.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $63.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $44.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $41.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $39.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $23.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $21.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $18.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $14.0M |
| All Other Securities | RCONB560 | $10.1M |
| Mortgage-backed Securities | RCONB559 | $4.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $3.9M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $93K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Williamstown Bank, Inc. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $9.4M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $7.0M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $5.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $1.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $979K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $90K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Williamstown Bank, Inc. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $620K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (17 items)
About Schedule RC-N · Williamstown Bank, Inc. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $914K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $471K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $400K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $304K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $302K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $232K |
| Additions to Nonaccrual Assets | RCONC410 | $225K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $134K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $110K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $106K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $67K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $50K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $47K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $44K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $34K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $14K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $7K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Williamstown Bank, Inc. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $239.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $212.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $164.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $41.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $24.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $6.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 11,156 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 250 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 98 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · Williamstown Bank, Inc. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $237.6M |
| Average total consolidated assets | RCOAKW03 | $237.6M |
| Total Assets | RCOA2170 | $236.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $24.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $24.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $24.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $23.7M |
| Retained Earnings | RCOAKW00 | $23.3M |
| Unconditionally Cancellable Commitments | RCOAS540 | $12.7M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $8.0M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $7.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $787K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$417K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$417K |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $90K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1014 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0339 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $23.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $23.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $23.4M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $377K |
| Other Comprehensive Income | RIADB511 | -$40K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Williamstown Bank, Inc. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $167K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $103K |
| Recoveries on Automobile Loans | RIADK133 | $62K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $61K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $49K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $34K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $22K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $21K |
| Charge-offs on Automobile Loans | RIADK129 | $14K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $7K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Williamstown Bank, Inc. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $167K |
Williamstown Bank, Inc. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Williamstown Bank, Inc. call report?
The Williamstown Bank, Inc. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Williamstown Bank, Inc. file?
Williamstown Bank, Inc. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Williamstown Bank, Inc. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Williamstown Bank, Inc. has Federal Reserve RSSD ID 918132 and FDIC certificate number 14744. Either one finds its filings on the FFIEC Central Data Repository.
How often does Williamstown Bank, Inc. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Williamstown Bank, Inc. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 14744) · FFIEC NIC profile (RSSD 918132)