Side-by-side · Q2 2026 data
The First National Bank of Williamson vs Whitesville State Bank
Bank
The First National Bank of Williamson
Williamson, West Virginia · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Williamson | Whitesville State Bank |
|---|---|---|
| TellerScore | 52 | 65 (stronger) |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 7 | 78 (stronger) |
| Earnings | 5 | 41 (stronger) |
| Funding & liquidity | 72 | 92 (stronger) |
| Problem-loan coverage | 81 | 87 (stronger) |
| Peer percentile | 8th | 29th |
| Total assets | $120.3M | $137.6M |
| Deposits / shares | $95.9M | $126.3M |
| Capital ratio | 20.13% (stronger) | 9.96% |
| Problem loans | 2.78% | 0.65% (stronger) |
| Net charge-offs | 0.19% | 0.18% (stronger) |
| Return on assets | -0.38% | 0.53% (stronger) |
| Loans ÷ deposits | 84.1% | 59.8% (stronger) |
| Uninsured deposits | 19.1% (stronger) | 22.8% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.1% |
Whitesville State Bank has the higher TellerScore (65 vs 52). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Williamson leads on 2 and Whitesville State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.