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Williamstown Bank, Inc.

$100M-$1B Specialty: Commercial WV FDIC cert 14744

Williamstown, WV

4 branches across WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
  • Deposits +4.7% year over year ($212.3M on the books).
  • Delinquency rate 0.38%.
  • Return on assets 0.60%.
  • Efficiency ratio 80.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.14% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV
View $100M-$1B leaderboard (WV) →

Williamstown Bank, Inc. has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.26% above tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 3.5% in tier
  • - Credit Quality Pressure: Bottom 17.4% in tier
  • - Efficiency Drag: Bottom 21.9% in tier
  • - Capital Thin: Bottom 35.1% in tier
  • - ROA 0.72% below tier average
Get updates when Williamstown Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $236.7M
+3.8% YoY -0.1% QoQ
-$149.9M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $187.1M
+2.9% YoY +1.1% QoQ
-$71.2M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $212.3M
+4.7% YoY -0.2% QoQ
-$114.4M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 0.60%
+4.7% YoY -6.5% QoQ
-0.72% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 4.24%
+7.6% YoY +2.2% QoQ
+0.26% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 80.17%
-2.0% YoY +0.9% QoQ
+15.69% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
Bottom 13.5% in tier
Delinquency Rate ? 0.38%
+6.3% YoY +2.4% QoQ
-0.54% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 88.14%
-1.7% YoY +1.3% QoQ
+10.19% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 21.28%
-6.4% YoY -2.9% QoQ
-0.75% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.30%
+5.3% YoY +3.6% QoQ
-0.37% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 10.14%
-1.8% YoY -2.1% QoQ
-5.77% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
Bottom 12.5% in tier
Non-Interest Income / Assets ? 0.22%
-0.4% YoY +110.4% QoQ
-0.35% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Noninterest-Bearing 21.3%
-1.5pp YoY
-0.6pp QoQ
 -0.9pp 22.1% 27.1% 22.2% 51%
Brokered Deposits n/a n/a 7.9% 3.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 11.5%
+0.3pp YoY
-0.3pp QoQ
 -0.1pp 11.6% 7.1% 12.5% 61%
CRE 26.2%
-2.0pp YoY
-0.7pp QoQ
 -13.3pp 39.5% 33.8% 41.4% 28%
1-4 Family 48.5%
+3.7pp YoY
+1.4pp QoQ
 +15.8pp 32.6% 52.8% 31.3% 81%
Consumer 12.4%
-2.9pp YoY
-0.4pp QoQ
 +8.3pp 4.1% 7.9% 5.0% 94%

Capital

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.1% 19.7% n/a
Leverage Ratio 10.1%
-0.2pp YoY
-0.2pp QoQ
 -2.0pp 12.2% 11.6% 12.6% 34%
Total Capital Ratio n/a n/a 19.9% 18.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Full-Time Employees 56
+5 (+9.8%) YoY
0 QoQ
 -3 58 161 482 60%
Assets per Employee ($) $4.2M
-5.4% YoY
-0.1% QoQ
 -$3.3M $7.5M $6.1M $8.8M 6%
Branch Count 4
0 YoY
0 QoQ
 -1 4 13 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.4% 67%
Nonaccrual 0.2%
+0.1pp YoY
-0.1pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 26%
Allowance Coverage 1.97x
-15.3% YoY
-8.7% QoQ
 -22.18x 24.15x 6.60x 20.23x 47%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.2pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 6.0%
+0.2pp YoY
-0.4pp QoQ
 -6.2pp 12.2% 10.6% 11.6% 17%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.5% 1.7% 39%
Net Income ($, YTD) $705,000
+8.3% YoY
— QoQ
 -$1.9M $2.6M $9.0M $40.4M 16%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Credit Risk Growth

risk
#34 of 936 • Bottom 3.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#220 of 1256 • Bottom 17.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.38%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#80 of 361 • Bottom 21.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.17%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Capital Thin

risk
#233 of 661 • Bottom 35.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.14%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2313
Tier 1 Capital Ratio
capital
Value: 10.14%
Peer Median: 15.91%
#2313 of 2643 Bottom 12.5% in $100M-$1B
2286
Efficiency Ratio
profitability
Value: 80.17%
Peer Median: 64.48%
#2286 of 2643 Bottom 13.5% in $100M-$1B
2241
Return on Assets
profitability
Value: 0.60%
Peer Median: 1.32%
#2241 of 2643 Bottom 15.2% in $100M-$1B
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