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Whitesville State Bank

Whitesville, WV
IDRSSD: 732637
Total Assets
$138.23M
Latest filing
Total Deposits
$127.61M
Latest filing
Net Interest Margin
3.73%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/08/1946
Community BankYes
Ownership TypeNot Mutual
ZIP25209
State and County Number54081
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number05
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameBeckley, WV

Operational Info

Number of Employees36
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/02/2024
Date of Deposit Insurance07/08/1946
Primary Insurance AgencyDIF
Websitewww.whitesvillesb.com
Data Updated11/14/2025
CERT16453
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$138.23M
Total Deposits$127.61M
Total Liabilities$129.03M
Total Equity Capital$9.20M
Net Income$-802,000
Net Loans and Leases$72.73M
Assets Per Employee ($Millions)$3.84M
Bank Premises and Fixed Assets$1.10M
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$127.61M

Key Performance Ratios

Return on Assets (ROA)-2.36%
Return on Equity (ROE)-36.59%
Net Interest Margin3.73%
Efficiency Ratio254.74%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets6.657%
Earning Assets to total Assets93.36%

Income and Expense

Total Interest Income$1.73M
Total Noninterest Income$-624,000
Total Interest Expense$551.00k
Total Noninterest Expense$1.42M
Net Interest Income$1.18M
Pre-tax Net Operating Income$-865,000
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$122.00k
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.42M
Total Liabilities and Capital$138.23M

Securities

Securities$48.99M
Available-for-sale debt securities$48.99M
Equity securities with readily determinable fair values not held for trading$0
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?
$138.23M as of the latest filing.
How much are Whitesville State Bank's total deposits?
$127.61M in total deposits.
Where is Whitesville State Bank located?
Whitesville, WV.
What is the Net Interest Margin?
3.73%.
How many domestic offices does it operate?
5.
When was it established?
07/08/1946.
What is the Return on Assets (ROA)?
-2.36%.
How much are total loans and leases?
$72.73M (latest filing).
What is the total interest income (latest filing)?
$1.73M.