Whitesville State Bank
Whitesville, WV
IDRSSD: 732637
Total Assets
$138.02M
Latest filing
Total Deposits
$125.15M
Latest filing
Net Interest Margin
3.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051504429WHITESVILLE, WV
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Whitesville State Bank
38609 Coal River Rd
Whitesville, WV 25209
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/08/1946FDIC Certificate 10619
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Whitesville State Bank (Main) | 38609 Coal River Rd | Whitesville, WV |
| COMFORT BRANCH | 7070 Coal River Rd | Comfort, WV |
| GLEN DANIEL BRANCH | 7022 Haper Rd | Glen Daniel, WV |
| CRAB ORCHARD BRANCH | 1460 Robert C Byrd Dr | Crab Orchard, WV |
| BELLE BRANCH | 300 E Dupont Ave | Belle, WV |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/08/1946 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25209 |
| State and County Number | 54081 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Beckley, WV |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 07/08/1946 |
| Primary Insurance Agency | DIF |
| Website | www.whitesvillesb.com |
| Data Updated | 01/30/2026 |
| CERT | 16453 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $138.02M |
| Total Deposits | $125.15M |
| Total Liabilities | $128.49M |
| Total Equity Capital | $9.53M |
| Net Income | $-21,000 |
| Net Loans and Leases | $73.78M |
| Assets Per Employee ($Millions) | $3.83M |
| Bank Premises and Fixed Assets | $1.07M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $125.15M |
Key Performance Ratios
| Return on Assets (ROA) | -0.06% |
| Return on Equity (ROE) | -0.9% |
| Net Interest Margin | 3.86% |
| Efficiency Ratio | 93.64% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.907% |
| Earning Assets to total Assets | 93.42% |
Income and Expense
| Total Interest Income | $1.80M |
| Total Noninterest Income | $373.00k |
| Total Interest Expense | $559.00k |
| Total Noninterest Expense | $1.52M |
| Net Interest Income | $1.25M |
| Pre-tax Net Operating Income | $42.00k |
| Provision for Credit Losses | $61.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $92.00k |
| Other borrowed funds | $1.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.84M |
| Total Liabilities and Capital | $138.02M |
Securities
| Securities | $48.36M |
| Available-for-sale debt securities | $48.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Whitesville State Bank?
$138.02M as of the latest filing.
How much are Whitesville State Bank's total deposits?
$125.15M in total deposits.
Where is Whitesville State Bank located?
Whitesville, WV.
What is the Net Interest Margin?
3.86%.
How many domestic offices does it operate?
5.
When was it established?
07/08/1946.
What is the Return on Assets (ROA)?
-0.06%.
How much are total loans and leases?
$73.78M (latest filing).
What is the total interest income (latest filing)?
$1.80M.