Williamstown Bank, Inc.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 132.63 percentage points higher than in Q1 2026, at 456.91%. Williamstown Bank, Inc. ranks 35th of 41 West Virginia banks on return on assets, in the lower half at 0.56% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Williamstown Bank, Inc. reported 0.56% on return on assets in Q2 2026, 0.70 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.14% |
| Equity capital to assets | 10.00% |
| Tangible equity to tangible assets | 10.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 2.81% |
| Allowance for credit losses to loans | 0.74% |
| Reserve coverage of non-performing loans | 456.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.56% |
| Return on equity | 5.60% |
| Net interest margin | 4.26% |
| Efficiency ratio | 80.27% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.79% |
| Core deposits to total deposits | 91.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.69% |
| Securities to assets | 7.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.20% | 0.47% | 3.88% | 0.43% | 0.04% |
| Q4 2023 | 10.15% | 0.60% | 3.78% | 0.24% | 0.03% |
| Q1 2024 | 10.12% | 0.36% | 3.70% | 0.04% | 0.10% |
| Q2 2024 | 10.19% | 0.47% | 3.66% | 0.04% | 0.08% |
| Q3 2024 | 10.25% | 0.42% | 3.63% | 0.07% | 0.08% |
| Q4 2024 | 10.13% | 0.48% | 3.67% | 0.04% | 0.29% |
| Q1 2025 | 10.33% | 0.56% | 3.85% | 0.15% | 0.02% |
| Q2 2025 | 10.32% | 0.60% | 4.04% | 0.11% | 0.08% |
| Q3 2025 | 10.38% | 0.68% | 4.22% | 0.15% | 0.09% |
| Q4 2025 | 10.48% | 0.78% | 4.35% | 0.12% | 0.40% |
| Q1 2026 | 10.36% | 0.65% | 4.16% | 0.24% | -0.12% |
| Q2 2026 | 10.14% | 0.56% | 4.26% | 0.16% | 0.25% |
Williamstown Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamstown Bank, Inc., 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 Williamstown Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14744) · FFIEC NIC profile (RSSD 918132)