Williamstown Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Williamstown Bank, Inc. of Williamstown, 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 | 0.56% | 1.35% | -0.79% | 14th bottom |
| ROAE | 5.60% | 12.06% | -6.46% | 16th bottom |
| Net Interest Margin | 4.26% | 3.90% | +0.36% | 68th above |
| Efficiency Ratio | 80.27% | 63.14% | +17.13% | 13th bottom |
| PPNR / Avg Assets | 0.83% | 1.64% | -0.81% | 15th bottom |
| Yield on Earning Assets | 5.77% | 5.65% | +0.12% | 58th above |
| Cost of Funds | 1.57% | 1.85% | -0.28% | 65th above |
| Net Interest Spread | 3.78% | 3.35% | +0.43% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.92% | -0.76% | 67th above |
| NPA / Total Assets | 0.13% | 0.67% | -0.54% | 66th above |
| NCO / Avg Loans | 0.25% | 0.14% | +0.11% | 10th bottom |
| ACL / Total Loans | 0.74% | 1.28% | -0.54% | 8th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 456.91% | 1645.64% | -1188.73% | 69th above |
| Texas Ratio | 2.81% | 7.15% | -4.34% | 55th above |
| Provision / NCO | 117.19% | 1189.85% | -1072.66% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.14% | 12.46% | -2.32% | 35th below |
| Equity / Assets | 10.00% | 11.67% | -1.67% | 45th below |
| TCE / Tangible Assets | 10.00% | 11.40% | -1.40% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.79% | 78.64% | +10.15% | 31st below |
| Core Deposit Ratio | 91.28% | 87.09% | +4.19% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.85% | 6.47% | -2.62% | 46th below |
| Loan Growth (Y/Y) | 2.78% | 7.64% | -4.86% | 35th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.68% | 6.02% | -1.34% | 55th above |
See Williamstown Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Williamstown Bank, Inc., 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 Williamstown Bank, Inc. profile, how to read a UBPR, or how this data updates.