Williamstown Bank, Inc.
Williamstown, WV
IDRSSD: 918132
Total Assets
$226.96M
Latest filing
Total Deposits
$202.19M
Latest filing
Net Interest Margin
4.24%
Profitability
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 | 01/01/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26187 |
| State and County Number | 54107 |
| 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 | Parkersburg-Vienna, WV |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 4 |
| 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 | 09/15/1934 |
| Primary Insurance Agency | DIF |
| Website | www.williamstownbank.com |
| Data Updated | 11/14/2025 |
| CERT | 14744 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $226.96M |
| Total Deposits | $202.19M |
| Total Liabilities | $203.91M |
| Total Equity Capital | $23.05M |
| Net Income | $387.00k |
| Net Loans and Leases | $185.81M |
| Assets Per Employee ($Millions) | $4.54M |
| Bank Premises and Fixed Assets | $9.12M |
| Cash and Balances due from Depository Institutions | $8.24M |
| Deposits Held in Domestic Offices | $202.19M |
Key Performance Ratios
| Return on Assets (ROA) | 0.68% |
| Return on Equity (ROE) | 6.77% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 78.03% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.158% |
| Earning Assets to total Assets | 90.27% |
Income and Expense
| Total Interest Income | $3.01M |
| Total Noninterest Income | $296.00k |
| Total Interest Expense | $827.00k |
| Total Noninterest Expense | $1.93M |
| Net Interest Income | $2.18M |
| Pre-tax Net Operating Income | $485.00k |
| Provision for Credit Losses | $59.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $874.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $845.00k |
| Total Liabilities and Capital | $226.96M |
Securities
| Securities | $18.61M |
| Available-for-sale debt securities | $18.61M |
| 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 Williamstown Bank, Inc.?
$226.96M as of the latest filing.
How much are Williamstown Bank, Inc.'s total deposits?
$202.19M in total deposits.
Where is Williamstown Bank, Inc. located?
Williamstown, WV.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
0.68%.
How much are total loans and leases?
$185.81M (latest filing).
What is the total interest income (latest filing)?
$3.01M.