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Whitesville State Bank

$100M-$1B Specialty: Other WV FDIC cert 16453

Designations: ✓ CDFI-certified

Whitesville, WV

5 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 +1.4% year over year ($126.3M on the books).
  • Delinquency rate 0.65%.
  • Return on assets 0.53%.
  • Efficiency ratio 85.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.76% 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) →

Whitesville State Bank has 1 strength 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

  • + Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 23.6% in tier
  • - Credit Quality Pressure: Bottom 39.2% in tier
  • - Credit Risk Growth: Bottom 45.9% in tier
  • - Efficiency Ratio 20.61% above tier average
  • - ROA 0.79% below tier average
Get updates when Whitesville State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $137.6M
+2.8% YoY +1.3% QoQ
-$248.9M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
Bottom 10.4% in tier
Total Loans ? $75.5M
+9.4% YoY +1.9% QoQ
-$182.9M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
Bottom 8.7% in tier
Total Deposits ? $126.3M
+1.4% YoY +1.2% QoQ
-$200.4M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
Bottom 14.1% in tier
Return on Assets ? 0.53%
+119.1% YoY +4.1% QoQ
-0.79% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
Bottom 13.0% in tier
Net Interest Margin ? 4.01%
+10.2% YoY +1.7% QoQ
+0.03% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 85.09%
+4.8% YoY +0.9% QoQ
+20.61% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
Bottom 8.8% in tier
Delinquency Rate ? 0.65%
+36.6% YoY -33.4% QoQ
-0.27% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 59.76%
+7.8% YoY +0.7% QoQ
-18.19% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 25.54%
-0.5% YoY -1.1% QoQ
+3.51% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.49%
+44.9% YoY -20.2% QoQ
-0.18% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 9.96%
+0.3% YoY +0.9% QoQ
-5.95% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
Bottom 9.8% in tier
Non-Interest Income / Assets ? 0.52%
-33.9% YoY +97.1% QoQ
-0.05% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
Top 8.9% in tier

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 25.5%
-0.1pp YoY
-0.3pp QoQ
 +3.4pp 22.1% 27.1% 22.2% 68%
Brokered Deposits 0.2%
0.0pp YoY
0.0pp QoQ
 -7.7pp 7.9% 3.0% 8.5% 7%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 4.9%
+0.9pp YoY
+0.9pp QoQ
 -6.7pp 11.6% 7.1% 12.5% 19%
CRE 14.9%
+1.3pp YoY
+0.8pp QoQ
 -24.6pp 39.5% 33.8% 41.4% 11%
1-4 Family 51.1%
-1.4pp YoY
-1.2pp QoQ
 +18.4pp 32.6% 52.8% 31.3% 83%
Consumer 30.8%
-1.0pp YoY
-0.6pp QoQ
 +26.7pp 4.1% 7.9% 5.0% 99%

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 10.0%
0.0pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 11.6% 12.6% 30%
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 36
0 YoY
0 QoQ
 -23 58 161 482 36%
Assets per Employee ($) $3.8M
+2.8% YoY
+1.3% QoQ
 -$3.7M $7.5M $6.1M $8.8M 3%
Branch Count 5
0 YoY
0 QoQ
 0 4 13 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.7%
+0.2pp YoY
-0.2pp QoQ
 -0.3pp 0.9% 0.7% 1.0% 60%
Allowance Coverage 1.52x
-33.2% YoY
+44.2% QoQ
 -22.63x 24.15x 6.60x 20.23x 40%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 7.6%
+3.5pp YoY
+0.2pp QoQ
 -4.6pp 12.2% 10.6% 11.6% 24%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.5% 1.7% 41%
Net Income ($, YTD) $363,000
+125.5% YoY
— QoQ
 -$2.2M $2.6M $9.0M $40.4M 8%

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 (3)

Capital Thin

risk
#157 of 661 • Bottom 23.6% 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: 9.96%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Quality Pressure

risk
#493 of 1256 • Bottom 39.2% in tier

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

Why this signature
Delinquency Rate: 0.65%
(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

Credit Risk Growth

risk
#431 of 936 • Bottom 45.9% 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

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 (2 metrics)

237
Non-Interest Income / Assets
revenue_mix
Value: 0.52%
Peer Median: 0.57%
#237 of 2643 Top 8.9% in $100M-$1B
446
Loan-to-Deposit Ratio
liquidity
Value: 59.76%
Peer Median: 77.95%
#446 of 2643 Top 16.8% in $100M-$1B

Top Weaknesses (6 metrics)

2413
Total Loans
size
Value: $75.47M
Peer Median: $258.35M
#2413 of 2643 Bottom 8.7% in $100M-$1B
2412
Efficiency Ratio
profitability
Value: 85.09%
Peer Median: 64.48%
#2412 of 2643 Bottom 8.8% in $100M-$1B
2384
Tier 1 Capital Ratio
capital
Value: 9.96%
Peer Median: 15.91%
#2384 of 2643 Bottom 9.8% in $100M-$1B
2370
Total Assets
size
Value: $137.65M
Peer Median: $386.57M
#2370 of 2643 Bottom 10.4% in $100M-$1B
2300
Return on Assets
profitability
Value: 0.53%
Peer Median: 1.32%
#2300 of 2643 Bottom 13.0% in $100M-$1B
2271
Total Deposits
size
Value: $126.28M
Peer Median: $326.73M
#2271 of 2643 Bottom 14.1% in $100M-$1B
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