BlastPoint's Banking Scorecard

Whitesville State Bank

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

Designations: ✓ CDFI-certified

Whitesville, WV

5 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in WV

Whitesville State Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.1% in tier
- Capital Thin: Bottom 12.9% in tier
- Flatlined Growth: Bottom 20.9% in tier
- ROA 0.76% below tier average
- Delinquency Rate 0.09% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$135.8M +1.2% YoY -1.6% QoQ	-$250.2M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	Bottom 9.9% in tier
Total Loans ?	$74.1M +8.0% YoY +0.4% QoQ	-$181.7M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	Bottom 8.8% in tier
Total Deposits ?	$124.8M -0.2% YoY -0.3% QoQ	-$203.2M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	Bottom 13.4% in tier
Return on Assets ?	0.51% -48.7% YoY +84.3% QoQ	-0.76%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	Bottom 13.4% in tier
Net Interest Margin ?	3.95% +13.3% YoY +6.1% QoQ	+0.02%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	84.29% +14.9% YoY -2.3% QoQ	+19.01%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	Bottom 10.7% in tier
Delinquency Rate ?	0.98% +231.1% YoY +15.7% QoQ	+0.09%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	59.34% +8.3% YoY +0.7% QoQ	-17.30%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	25.82% +1.5% YoY +2.3% QoQ	+3.80%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.61% +118.6% YoY +17.9% QoQ	-0.03%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	9.87% -2.8% YoY -0.4% QoQ	-5.96%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	Bottom 8.3% in tier
Non-Interest Income / Assets ?	0.26% -50.2% YoY -80.2% QoQ	-0.02%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	Top 8.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Efficiency Drag

risk

#18 of 414 • Bottom 4.1% in tier

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

Why this signature

Efficiency Ratio: 84.29%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Capital Thin

risk

#87 of 666 • Bottom 12.9% 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: 9.87%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#108 of 512 • Bottom 20.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.51%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

221

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.28%

#221 of 2664 Top 8.3% in $100M-$1B

470

Loan-to-Deposit Ratio

liquidity

Value: 59.34%

Peer Median: 76.64%

#470 of 2664 Top 17.6% in $100M-$1B

Top Weaknesses (6 metrics)

2444

Tier 1 Capital Ratio

capital

Value: 9.87%

Peer Median: 15.83%

#2444 of 2664 Bottom 8.3% in $100M-$1B

2430

Total Loans

size

Value: $74.06M

Peer Median: $255.72M

#2430 of 2664 Bottom 8.8% in $100M-$1B

2402

Total Assets

size

Value: $135.83M

Peer Median: $386.08M

#2402 of 2664 Bottom 9.9% in $100M-$1B

2380

Efficiency Ratio

profitability

Value: 84.29%

Peer Median: 65.29%

#2380 of 2664 Bottom 10.7% in $100M-$1B

2308

Return on Assets

profitability

Value: 0.51%

Peer Median: 1.27%

#2308 of 2664 Bottom 13.4% in $100M-$1B

2308

Total Deposits

size

Value: $124.80M

Peer Median: $327.97M

#2308 of 2664 Bottom 13.4% in $100M-$1B