Total Assets
$138M
Total balance-sheet footings
FDIC Cert #16453 · Whitesville, West Virginia · Est. 1946
Whitesville State Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $138M
- Total assets
- D
- Health grade · Weak
- 0.28%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Whitesville State Bank earns a PlainBankData health grade of D (41/100), with 9.91% Tier 1 capital, 0.28% ROA, 86% efficiency ratio.
- #3,450
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 9.91%
- Tier 1 ratio - below the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Whitesville State Bank's 41/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Whitesville State Bank's composite health score
Tier 1 Capital Ratio (9.91%) 18/40
Return on Assets (ROA) (0.28%) 7/25
Texas Ratio (6.08%) 16/20
Efficiency Ratio (86.29%) 0/15
41 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$125M
Customer-funded liabilities
Net Loans
$74M
Outstanding loan book
Net Income
$373K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Whitesville State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Whitesville State Bank's score of 41/100 falls in the highlighted band.
Whitesville State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Whitesville State Bank's $138M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.91% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.91%
Texas Ratio
6.08%
Equity Capital
$10M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.28%
Return on Equity (ROE)
4.45%
Efficiency Ratio
86.29%
What the numbers say about Whitesville State Bank
Whitesville State Bank is an FDIC-insured institution (Certificate #16453) headquartered in Whitesville, West Virginia, established in 1946. It holds $138M in total assets - 3,450th of 4,313 FDIC-insured banks, $125M in customer deposits, and $74M in net loans. Looking at capital strength, Tier 1 stands at 9.91%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.08%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (41/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Whitesville State Bank ranks 35th of 42 banks based in West Virginia -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Whitesville State Bank reports a Texas Ratio of 6.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Whitesville State Bank
Whitesville State Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.91% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Whitesville State Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Whitesville State Bank (FDIC Cert #16453) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is Whitesville State Bank's health grade?▼
Whitesville State Bank receives a health grade of D (41/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Whitesville State Bank?▼
Whitesville State Bank holds $138M in total assets and $125M in deposits, ranking 3,450th of 4,313 FDIC-insured banks by asset size. It is headquartered in Whitesville, West Virginia.
Is my money safe at Whitesville State Bank?▼
Yes, deposits at Whitesville State Bank (Certificate #16453) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Whitesville State Bank's Tier 1 Capital Ratio?▼
Whitesville State Bank has a Tier 1 Capital Ratio of 9.91%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Whitesville State Bank?▼
Whitesville State Bank has a Texas Ratio of 6.08%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Whitesville State Bank?▼
Whitesville State Bank has an Efficiency Ratio of 86.29%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Whitesville State Bank's profile as a depositor or analyst.
- Whitesville State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Whitesville State Bank against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.