Williamstown Bank, Inc.
Williamstown, WV
IDRSSD: 918132
Total Assets
$228.46M
Latest filing
Total Deposits
$204.31M
Latest filing
Net Interest Margin
4.38%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Williamstown Bank, Inc.
435 Highland Ave
Williamstown, WV 26187
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1919FDIC Certificate 9222
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Williamstown Bank, Inc. (Main) | 435 Highland Ave | Williamstown, WV |
| PARKERSBURG OFFICE BRANCH | 3002 7th St | Parkersburg, WV |
| LUBECK OFFICE BRANCH | 1605 Harris Hwy | Parkersburg, WV |
| SOUTH PARKERSBURG OFFICE BRANCH | 52 Bosley Pkwy | Parkersburg, WV |
Showing 3 of 3
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 | 50 |
| 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 | 01/30/2026 |
| CERT | 14744 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $228.46M |
| Total Deposits | $204.31M |
| Total Liabilities | $205.07M |
| Total Equity Capital | $23.39M |
| Net Income | $442.00k |
| Net Loans and Leases | $185.80M |
| Assets Per Employee ($Millions) | $4.39M |
| Bank Premises and Fixed Assets | $9.02M |
| Cash and Balances due from Depository Institutions | $12.06M |
| Deposits Held in Domestic Offices | $204.31M |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 7.61% |
| Net Interest Margin | 4.38% |
| Efficiency Ratio | 75.53% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.237% |
| Earning Assets to total Assets | 90.29% |
Income and Expense
| Total Interest Income | $3.06M |
| Total Noninterest Income | $271.00k |
| Total Interest Expense | $807.00k |
| Total Noninterest Expense | $1.90M |
| Net Interest Income | $2.25M |
| Pre-tax Net Operating Income | $570.00k |
| Provision for Credit Losses | $47.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $54.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $767.00k |
| Total Liabilities and Capital | $228.46M |
Securities
| Securities | $16.44M |
| Available-for-sale debt securities | $16.44M |
| 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 Williamstown Bank, Inc.?
$228.46M as of the latest filing.
How much are Williamstown Bank, Inc.'s total deposits?
$204.31M in total deposits.
Where is Williamstown Bank, Inc. located?
Williamstown, WV.
What is the Net Interest Margin?
4.38%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$185.80M (latest filing).
What is the total interest income (latest filing)?
$3.06M.