Total Assets
$228M
Total balance-sheet footings
FDIC Cert #14744 · Williamstown, West Virginia · Est. 1919
Williamstown Bank, Inc. - FDIC Bank Health Profile
A community-scale look at Williamstown Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $228M
- Total assets
- B
- Health grade · Good
- 0.65%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Williamstown Bank, Inc. earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.48% Tier 1, 0.65% ROA, 79% efficiency ratio.
- #2,857
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 10.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 22nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Williamstown Bank, Inc.'s 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Williamstown Bank, Inc.'s composite health score
Tier 1 Capital Ratio (10.48%) 28/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (2.24%) 20/20
Efficiency Ratio (79.18%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$204M
Customer-funded liabilities
Net Loans
$186M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Williamstown Bank, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Williamstown Bank, Inc.'s score of 66/100 falls in the highlighted band.
Williamstown Bank, Inc.'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). Williamstown Bank, Inc.'s $228M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.48%
Texas Ratio
2.24%
Equity Capital
$23M
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
6.50%
Efficiency Ratio
79.18%
What the numbers say about Williamstown Bank, Inc.
Williamstown Bank, Inc. is an FDIC-insured institution (Certificate #14744) headquartered in Williamstown, West Virginia, established in 1919. It holds $228M in total assets - 2,857th of 4,313 FDIC-insured banks, $204M in customer deposits, and $186M in net loans. Its capital position: a Tier 1 ratio of 10.48%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.24% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Williamstown Bank, Inc. sits 27th of 42 banks headquartered in West Virginia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Williamstown Bank, Inc. reports a Texas Ratio of 2.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Williamstown Bank, Inc. (FDIC Cert #14744) - 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 Williamstown Bank, Inc.'s health grade?▼
Williamstown Bank, Inc. receives a health grade of B (66/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is Williamstown Bank, Inc.?▼
Williamstown Bank, Inc. holds $228M in total assets and $204M in deposits, ranking 2,857th of 4,313 FDIC-insured banks by asset size. It is headquartered in Williamstown, West Virginia.
Is my money safe at Williamstown Bank, Inc.?▼
Yes, deposits at Williamstown Bank, Inc. (Certificate #14744) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Williamstown Bank, Inc.'s Tier 1 Capital Ratio?▼
Williamstown Bank, Inc. has a Tier 1 Capital Ratio of 10.48%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Williamstown Bank, Inc.?▼
Williamstown Bank, Inc. has a Texas Ratio of 2.24%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Williamstown Bank, Inc.?▼
Williamstown Bank, Inc. has an Efficiency Ratio of 79.18%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Williamstown Bank, Inc.'s profile as a depositor or analyst.
- Williamstown Bank, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Williamstown Bank, Inc. 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.