Woodsfield Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodsfield Savings Bank of Woodsfield, OH 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 | 1.13% | 1.34% | -0.21% | 41st below |
| ROAE | 14.09% | 13.31% | +0.78% | 61st above |
| Net Interest Margin | 4.73% | 3.93% | +0.80% | 87th top |
| Efficiency Ratio | 67.20% | 61.14% | +6.06% | 34th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.60% | 1.68% | -0.08% | 51st above |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 4.25% | 3.32% | +0.93% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.96% | 0.94% | +0.02% | 29th below |
| NPA / Total Assets | 0.76% | 0.70% | +0.06% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) | 107.58% | 1538.86% | -1431.28% | 30th below |
| Texas Ratio | 8.55% | 7.33% | +1.22% | 26th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 389.29% | 1395.67% | -1006.38% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.23% | 19.50% | -5.27% | 41st below |
| Tier 1 Ratio | 14.23% | 19.54% | -5.31% | 41st below |
| Total Capital Ratio | 15.48% | 20.62% | -5.14% | 42nd below |
| Leverage Ratio | 8.61% | 12.14% | -3.53% | 8th bottom |
| Equity / Assets | 8.15% | 11.37% | -3.22% | 15th bottom |
| TCE / Tangible Assets | 8.15% | 11.09% | -2.94% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.34% | 80.64% | -1.30% | 53rd above |
| Core Deposit Ratio | 95.82% | 86.86% | +8.96% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.07% | 6.85% | +1.22% | 75th top |
| Loan Growth (Y/Y) | 10.08% | 7.90% | +2.18% | 74th above |
| Deposit Growth (Y/Y) | 7.81% | 6.29% | +1.52% | 75th top |
See Woodsfield Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Woodsfield Savings Bank, 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 Woodsfield Savings Bank profile, how to read a UBPR, or how this data updates.