Woodsfield Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Woodsfield Savings Bank is an FDIC-insured commercial bank headquartered in Woodsfield, OH, established in 1887 (FDIC certificate 32292), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $123.3M, up 8.1% from Q2 2025, the 120th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 14.23% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32292
- Headquarters
- Woodsfield, OH
- Established
- 1887
- Total assets, Q2 2026
- $123.3M
- Assets vs Q2 2025
- +8.1%
- CET1 ratio, Q2 2026
- 14.23%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 243272941
- Latest call report
- Q2 2026, FFIEC 051 · Woodsfield Savings Bank call report
- Asset rank in state
- 120th of 154 in Ohio
Problem loans are rising at Woodsfield Savings Bank. It reported $123 million in assets at June 30, 2026, up 8.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.92% of loans from 0.62% a year earlier. It funds 8.61% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it keeps 4.73 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $350,000, 76% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 8.3% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Woodsfield Savings Bank reported a CET1 capital ratio of 14.23%, a return on assets of 1.13%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 8.28%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Woodsfield Savings Bank is the 120th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $123.3M, loans rose 2.8% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 63.0% of total loans, followed by auto loans at 8.0%. The FDIC Summary of Deposits lists 3 offices for it, in Woodsfield, OH, Barnesville, OH and Cadiz, OH; its Woodsfield office books 67% of its branch deposits. On its Q2 2026 call report, Woodsfield Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 600 Lewisville Rd, Woodsfield, OH 43793
- County
- Monroe
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 12, 1887
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $112.7M
- Allowance for credit losses
- $922K
- Net charge-offs (YTD)
- $28K
- Average total assets
- $123.7M
- Average total loans
- $87.6M
- Average interest-bearing deposits
- $80.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32292
- Fed RSSD
- 97279
- Website
- www.woodsfieldsavings.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Woodsfield Savings Bank's total assets ran between $100.7M (Q3 2023) and $123.3M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$123.3M total assets against $114.1M; $113.3M total liabilities against $105.0M.
$88.5M net loans and leases against $80.5M; $112.7M total deposits against $104.5M.
$22.1M securities against $18.8M; $7.1M cash and balances due against $9.3M.
$1.7M total interest income against $1.5M; $329K total interest expense against $389K.
$1.4M net interest income against $1.1M.
$136K total noninterest income against $134K; $1.0M total noninterest expense against $963K.
$54K provision for credit losses against $44K.
$350K net income against $199K.
1.13% return on assets against 0.70%; 4.73% net interest margin against 4.09%.
14.23% CET1 capital ratio against 14.45%; 8.61% tier 1 leverage ratio against 8.57%.
Inside the full Woodsfield Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWoodsfield Savings Bank rankings
Its closest position to the top of a national ranking is 803 of 3,640, for Texas Ratio; its furthest is 3,489 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.38% (Q1 2025) to 1.17% (Q4 2025) and its net interest margin ran from 3.45% (Q4 2024) to 4.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.23% | 1.13% | 0.92% | 8.28% | 4.73% |
| Q1 2026 | 14.35% | 1.04% | 0.70% | 5.72% | 4.58% |
| Q4 2025 | 14.31% | 1.17% | 0.54% | 4.38% | 4.58% |
| Q3 2025 | 14.69% | 1.05% | 0.57% | 4.60% | 4.33% |
| Q2 2025 | 14.45% | 0.70% | 0.62% | 5.12% | 4.09% |
| Q1 2025 | 14.34% | 0.38% | 0.65% | 5.41% | 3.79% |
| Q4 2024 | 14.40% | 0.49% | 1.18% | 9.93% | 3.45% |
| Q3 2024 | 14.32% | 0.42% | 1.33% | 10.82% | 3.51% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Woodsfield Savings Bank (main office) | Woodsfield , OH | 43793 | $75.0M |
| Barnsville Branch | Barnesville , OH | 43713 | $28.5M |
| Cadiz Branch | Cadiz , OH | 43907 | $9.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 133 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Woodsfield Savings Bank
What are Woodsfield Savings Bank's total assets?
As of the Q2 2026 filing, Woodsfield Savings Bank reported total assets of $123.3 million in its FFIEC call report.
Where is Woodsfield Savings Bank headquartered?
It is headquartered in Woodsfield, OH, United States.
When was Woodsfield Savings Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Woodsfield Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32292). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Woodsfield Savings Bank?
Woodsfield Savings Bank's primary federal regulator is the FDIC.
What is Woodsfield Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.23% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Woodsfield Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Woodsfield Savings Bank's Texas Ratio?
Its Texas Ratio is 8.28% 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.
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