TellerScore

Headquartered in Williamstown, West Virginia, Williamstown Bank, Inc. is a state-chartered bank with $236.7M in total assets and $212.3M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1919.

Based on its Q2 2026 filing, Williamstown Bank, Inc. scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 29th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is earnings (44/100; 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.14%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 88.1% · 8.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.81%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).

TellerScore
666768Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202466
Q1 202568
Q2 202567
Q3 202566
Q4 202568
Q1 202668
Q2 202666
Tier 1 leverage ratio
5.00%7.74%10.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.19%
Q3 202410.25%
Q4 202410.13%
Q1 202510.33%
Q2 202510.32%
Q3 202510.38%
Q4 202510.48%
Q1 202610.36%
Q2 202610.14%
Noncurrent loans
0.14%0.26%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.14%
Q4 20240.19%
Q1 20250.25%
Q2 20250.35%
Q3 20250.38%
Q4 20250.30%
Q1 20260.36%
Q2 20260.37%
Return on assets
0.41%0.53%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.41%
Q4 20240.43%
Q1 20250.55%
Q2 20250.58%
Q3 20250.61%
Q4 20250.65%
Q1 20260.64%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$236.7M10.14%0.37%0.60%88.1%
Q1 202668$236.9M10.36%0.36%0.64%87.0%
Q4 202568$228.5M10.48%0.30%0.65%90.9%
Q3 202566$227.0M10.38%0.38%0.61%91.9%
Q2 202567$227.9M10.32%0.35%0.58%89.7%
Q1 202568$226.5M10.33%0.25%0.55%88.7%
Q4 202466$224.6M10.13%0.19%0.43%91.0%
Q3 202467$227.1M10.25%0.14%0.41%91.7%
Q2 202467$226.6M10.19%0.14%0.41%90.1%

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).

Capital ratio10.14%
35th
Total risk-based capital0.00%
24th
Problem loans0.37%
52nd
Net charge-offs0.07%
24th
Return on assets0.60%
15th
Net interest margin4.24%
67th
Efficiency ratio80.2%
14th
Loans to deposits88.1%
30th
Uninsured deposits8.2%
96th
Loan-loss reserves0.74%
9th
Texas ratio2.8%
49th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Capon Valley BankBank Wardensville, WV61 out of 100, Moderate$244.2M9.7%1.27%vs
The Bank of MonroeBank Union, WV85 out of 100, Very strong$255.4M13.2%0.34%vs
Calhoun County Bank, Inc.Bank Grantsville, WV72 out of 100, Strong$211.7M10.5%0.58%vs
Mountain Valley Bank, N.A.Bank Elkins, WV87 out of 100, Very strong$201.9M13.6%0.19%vs
Davis Trust CompanyBank Elkins, WV53 out of 100, Below average$274.9M8.5%0.66%vs
FNB Bank, Inc.Bank Romney, WV70 out of 100, Strong$277.9M10.6%0.45%vs

Deposit insurance

Is my money safe at Williamstown Bank, Inc.?

Yes. Williamstown Bank, Inc. is an FDIC-insured institution (FDIC certificate #14744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.2% of deposits ($17.4M) 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 10.14%, 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%).

Check how much of your own balance is covered

4 locations

Branches

Williamstown Bank, Inc. lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Williamstown Bank, Inc. reported 102 home-loan applications under HMDA (LEI 549300JDJ660YLLPS872): 79 originated ($12,515,000 total), 13 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Williamstown Bank, Inc.
Former names
The Farmers & Mechanics National Bank of Williamstown; The Williamstown National Bank
Type
State-chartered bank
FDIC certificate #
14744
RSSD ID
918132
Primary regulator
FDIC
Established
January 1, 1919
Headquarters
435 Highland Ave, Williamstown, WV 26187
Employees
56

Quick answers

Williamstown Bank, Inc.: common questions

Is Williamstown Bank, Inc. FDIC insured?

Yes. Williamstown Bank, Inc. is an FDIC-insured institution (FDIC certificate #14744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Williamstown Bank, Inc.'s TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Williamstown Bank, Inc. ever failed?

There is no failure record for FDIC certificate #14744 in the FDIC failed bank list.

How many branches does Williamstown Bank, Inc. have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Williamstown

InstitutionScoreAssetsCapitalProblem loansCompare
The Settlers BankBank Marietta, OH94 out of 100, Very strong$142.4M16.2%0.18%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
Union Trades Federal Credit UnionCredit union Parkersburg, WV84 out of 100, Strong$34.4M18.4%0.92%vs
The Waterford Commercial and Savings BankBank Waterford, OH83 out of 100, Strong$60.0M13.6%0.09%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs