The First National Bank of Williamson is a national bank headquartered in Williamson, West Virginia, in business for about 123 years. At the end of Q2 2026 it reported $120.3M in total assets and $95.9M in deposits, with 4 offices across 2 states.
The First National Bank of Williamson has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 38th. Capital cushion contributes the most (100/100, 20.13%); earnings contributes the least (5/100, -0.38%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (41 → 52), mostly because the capital cushion component improved by 71 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 43 |
| Q4 2024 | 36 |
| Q1 2025 | 39 |
| Q2 2025 | 41 |
| Q3 2025 | 53 |
| Q4 2025 | 53 |
| Q1 2026 | 51 |
| Q2 2026 | 52 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.95% |
| Q3 2024 | 7.71% |
| Q4 2024 | 7.65% |
| Q1 2025 | 7.62% |
| Q2 2025 | 7.95% |
| Q3 2025 | 21.89% |
| Q4 2025 | 19.94% |
| Q1 2026 | 20.21% |
| Q2 2026 | 20.13% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.64% |
| Q3 2024 | 1.69% |
| Q4 2024 | 2.24% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.86% |
| Q3 2025 | 3.22% |
| Q4 2025 | 3.36% |
| Q1 2026 | 3.56% |
| Q2 2026 | 2.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.15% |
| Q3 2024 | -0.08% |
| Q4 2024 | -0.10% |
| Q1 2025 | -0.48% |
| Q2 2025 | -0.05% |
| Q3 2025 | -0.18% |
| Q4 2025 | -0.13% |
| Q1 2026 | -0.19% |
| Q2 2026 | -0.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $120.3M | 20.13% | 2.78% | -0.38% | 84.1% |
| Q1 2026 | 51 | $113.5M | 20.21% | 3.56% | -0.19% | 85.8% |
| Q4 2025 | 53 | $118.5M | 19.94% | 3.36% | -0.13% | 79.1% |
| Q3 2025 | 53 | $119.3M | 21.89% | 3.22% | -0.18% | 77.6% |
| Q2 2025 | 41 | $108.4M | 7.95% | 1.86% | -0.05% | 73.7% |
| Q1 2025 | 39 | $112.5M | 7.62% | 1.68% | -0.48% | 72.2% |
| Q4 2024 | 36 | $116.2M | 7.65% | 2.24% | -0.10% | 70.8% |
| Q3 2024 | 43 | $118.5M | 7.71% | 1.69% | -0.08% | 71.0% |
| Q2 2024 | 43 | $115.7M | 7.95% | 1.64% | -0.15% | 71.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Clay County Bank, Inc.Bank Clay, WV | 91 out of 100, Very strong | $135.9M | 14.8% | 0.28% | vs |
| Whitesville State BankBank Whitesville, WV | 65 out of 100, Moderate | $137.6M | 10.0% | 0.65% | vs |
| Guaranty Bank Inc.Bank Williamson, WV | 54 out of 100, Below average | $152.4M | 13.6% | 2.48% | vs |
| The Fayette County National Bank of FayettevilleBank Fayetteville, WV | 69 out of 100, Moderate | $158.1M | 9.1% | 0.08% | vs |
| The Harrison County BankBank Lost Creek, WV | 72 out of 100, Strong | $164.9M | 10.2% | 0.42% | vs |
| Pioneer Community Bank, Inc.Bank Iaeger, WV | 79 out of 100, Strong | $191.1M | 13.6% | 0.29% | vs |
Deposit insurance
Is my money safe at The First National Bank of Williamson?
Yes. The First National Bank of Williamson is an FDIC-insured institution (FDIC certificate #6805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.1% of deposits ($18.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
The First National Bank of Williamson lists 4 offices in 3 cities across 2 states. Most locations:
- Williamson, WV (2)
- Fort Wright, KY (1)
- Pikeville, KY (1)
Identity & history
Profile
- Legal name
- The First National Bank of Williamson
- Type
- National bank
- FDIC certificate #
- 6805
- RSSD ID
- 917630
- Primary regulator
- OCC
- Established
- June 11, 1903
- Headquarters
- 68 E 2nd Ave, Williamson, WV 25661
- Website
- www.yourfnbonline.com
- Employees
- 35
Quick answers
The First National Bank of Williamson: common questions
Is The First National Bank of Williamson FDIC insured?
Yes. The First National Bank of Williamson is an FDIC-insured institution (FDIC certificate #6805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Williamson's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Williamson ever failed?
There is no failure record for FDIC certificate #6805 in the FDIC failed bank list.
How many branches does The First National Bank of Williamson have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Williamson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Logan Bank & Trust CompanyBank Logan, WV | 85 out of 100, Very strong | $359.2M | 11.7% | 0.45% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| First State BankBank Winchester, OH | 70 out of 100, Strong | $1.2B | 10.5% | 0.86% | vs |
| Peoples BankBank Marietta, OH | 67 out of 100, Moderate | $9.5B | 9.7% | 0.60% | vs |