Woodsfield Savings Bank: 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: 30.98 percentage points lower than in Q1 2026, at 107.58%. Within Ohio, Woodsfield Savings Bank is 71st of 156 on return on assets, 1.13% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Woodsfield Savings Bank sits 0.12 points lower, at 1.13% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.23% |
| Tier 1 risk-based capital ratio | 14.23% |
| Total risk-based capital ratio | 15.48% |
| Tier 1 leverage ratio | 8.61% |
| Equity capital to assets | 8.15% |
| Tangible equity to tangible assets | 8.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 8.55% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 107.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 14.09% |
| Net interest margin | 4.73% |
| Efficiency ratio | 67.20% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.34% |
| Core deposits to total deposits | 95.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.39% |
| Securities to assets | 17.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.45% | 15.45% | 16.61% | 9.24% | 0.79% |
| Q4 2023 | 15.81% | 15.81% | 17.03% | 9.18% | -0.11% |
| Q1 2024 | 14.92% | 14.92% | 16.16% | 8.87% | 0.23% |
| Q2 2024 | 14.32% | 14.32% | 15.53% | 8.72% | 0.01% |
| Q3 2024 | 14.32% | 14.32% | 15.57% | 8.72% | 0.42% |
| Q4 2024 | 14.40% | 14.40% | 15.60% | 8.77% | 0.49% |
| Q1 2025 | 14.34% | 14.34% | 15.54% | 8.66% | 0.38% |
| Q2 2025 | 14.45% | 14.45% | 15.70% | 8.57% | 0.70% |
| Q3 2025 | 14.69% | 14.69% | 15.94% | 8.81% | 1.05% |
| Q4 2025 | 14.31% | 14.31% | 15.56% | 8.80% | 1.17% |
| Q1 2026 | 14.35% | 14.35% | 15.61% | 8.72% | 1.04% |
| Q2 2026 | 14.23% | 14.23% | 15.48% | 8.61% | 1.13% |
Woodsfield Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Woodsfield Savings Bank, 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 Woodsfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32292) · FFIEC NIC profile (RSSD 97279)