BlastPoint's Banking Scorecard

The First National Bank of Williamson

$100M-$1B Specialty: Commercial WV FDIC cert 6805

Williamson, WV

4 branches across KY · WV

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

The First National Bank of Williamson faces 7 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

- Liquidity Overhang: Bottom 26.5% in tier
- Capital Constraint: Bottom 49.1% in tier
- Return on Assets 1.46% below tier average
- Efficiency Ratio 41.80% above tier average
- Delinquency Rate 2.73% above tier average
- Nonperforming Asset Ratio 1.90% above tier average
- Net Interest Margin 0.35% below tier average

Get updates when The First National Bank of Williamson releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$113.5M +0.9% YoY -4.3% QoQ	-$272.6M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	Bottom 3.9% in tier
Total Loans ?	$76.3M +1.8% YoY +2.6% QoQ	-$179.4M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	Bottom 9.6% in tier
Total Deposits ?	$88.9M -14.3% YoY -5.3% QoQ	-$239.0M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	Bottom 2.3% in tier
Return on Assets ?	-0.19% +61.4% YoY -47.7% QoQ	-1.46%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	Bottom 2.7% in tier
Net Interest Margin ?	3.58% +53.7% YoY +21.3% QoQ	-0.35%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	107.09% -2.3% YoY +4.5% QoQ	+41.80%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	Bottom 1.6% in tier
Delinquency Rate ?	3.62% +111.2% YoY +6.0% QoQ	+2.73%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	Bottom 4.1% in tier
Loan-to-Deposit Ratio ?	85.80% +18.8% YoY +8.4% QoQ	+9.16%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	25.55% +31.2% YoY +17.7% QoQ	+3.53%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	2.54% +119.3% YoY +13.2% QoQ	+1.90%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	Bottom 4.4% in tier
Tier 1 Capital Ratio ?	20.21% +38.1% YoY -46.8% QoQ	+4.38%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	Top 12.8% in tier
Non-Interest Income / Assets ?	0.24% +1.4% YoY -72.6% QoQ	-0.04%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	Top 9.9% in tier

Get Full Access to The First National Bank of Williamson

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Liquidity Overhang

risk

#197 of 739 • Bottom 26.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.21%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.80%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Capital Constraint

risk

#54 of 108 • Bottom 49.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 85.80%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 20.21%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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)

266

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#266 of 2664 Top 9.9% in $100M-$1B

342

Tier 1 Capital Ratio

capital

Value: 20.21%

Peer Median: 15.83%

#342 of 2664 Top 12.8% in $100M-$1B

Top Weaknesses (7 metrics)

2622

Efficiency Ratio

profitability

Value: 107.09%

Peer Median: 65.29%

#2622 of 2664 Bottom 1.6% in $100M-$1B

2605

Total Deposits

size

Value: $88.95M

Peer Median: $327.97M

#2605 of 2664 Bottom 2.3% in $100M-$1B

2593

Return on Assets

profitability

Value: -0.19%

Peer Median: 1.27%

#2593 of 2664 Bottom 2.7% in $100M-$1B

2560

Total Assets

size

Value: $113.46M

Peer Median: $386.08M

#2560 of 2664 Bottom 3.9% in $100M-$1B

2546

Delinquency Rate

credit_quality

Value: 3.62%

Peer Median: 0.89%

#2546 of 2654 Bottom 4.1% in $100M-$1B

2549

Nonperforming Asset Ratio

credit_quality

Value: 2.54%

Peer Median: 0.64%

#2549 of 2664 Bottom 4.4% in $100M-$1B

2409

Total Loans

size

Value: $76.32M

Peer Median: $255.72M

#2409 of 2664 Bottom 9.6% in $100M-$1B