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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 16453 · WV D · 41/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (41/100)
  • BOTTOM-DECILE #4231/4307
  • PHOTO-FINISH The Farmers State Bank · KS
  • TIER1-ADEQ 9.9% Tier 1
  • TEXAS-CLEAN 6.1% Texas
  • ROA-THIN 0.28% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: The Farmers State Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Whitesville State Bank

Lowest and highest poles plus nearest scored peers outside West Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bison State Bank · KS · near41/100Brentwood Bank · PA · near41/100Methuen Co-operative… · MA ·…41/100The Farmers State Bank · KS …41/100Whitesville State Bank · WV …41/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Whitesville State Bank · July 2026

Plate reading for Whitesville State Bank where failures stay rare

Whitesville State Bank (FDIC Cert #16453) carries a PlainBankData health grade of D at 41/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,231 of 4,307. Tier 1 capital prints at 9.91%, missing the 10% well-capitalized line. The Texas Ratio is 6.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.28%. Balance-sheet scale is $138M, 3,450th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Farmers State Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Whitesville State Bank

Only 2 FAILURE resolutions in West Virginia since 2000

Whitesville State Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE FIRST STATE BANK BARBOURSVILLE, WV 2020 → MVB BANK, INC
  • AMERIBANK, INC. NORTHFORK, WV 2008 → THE CITIZENS SAVINGS BANK
  • FIRST NB OF KEYSTONE KEYSTONE, WV 1999 → AMERIBANK, INCORPORATED

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and West Virginia banks.

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.

0/100100/100National avg77/10041/100
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 Assets

$138M

Total balance-sheet footings

Total Deposits

$125M

Customer-funded liabilities

Net Loans

$74M

Outstanding loan book

Net Income

$373K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.51% 9.91% 11.31%
Basel III capital ratios - Whitesville State Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

41 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Whitesville State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Whitesville State Bank

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

What these ratios mean →

Profitability metrics: Whitesville State Bank

Return on Assets (ROA)
9th percentile nationally
0.28%
Return on Equity (ROE)
4.45%
Efficiency Ratio
86.29%

What these mean →

Income & expense at Whitesville State Bank

$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.

FDIC Failed Bank List → View Whitesville State Bank on FDIC BankFind →

Top banks in West Virginia by total assets

Largest banks headquartered in West Virginia
  1. 1
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  2. 2
    City National Bank of West Virginia $6.7B

    Charleston, WV · Grade A

  3. 3
    MVB Bank, Inc $3.3B

    Fairmont, WV · Grade B

  4. 4
    Clear Mountain Bank $985M

    Bruceton Mills, WV · Grade A

  5. 5
    Potomac Bank $943M

    Charles Town, WV · Grade A

Top 5 banks in West Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($138M here), outside West Virginia so the neighborhood is not state containment.

State Bank of Missouri $138M · MO Citizens Community Bank $138M · MO Southern Illinois Bank $138M · IL First Commerce Bank $138M · KS

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.

Whitesville State Bank Call Report profile · FDIC Failed Bank List · West Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in West Virginia

All West Virginia banks →
BankAssetsGradeROA
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%