# WILLIAMSTOWN BANK INC
WILLIAMSTOWN, WV · FDIC certificate 14744 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $236.7M | |
| Deposits | $212.3M | |
| Loans and leases | $188.5M | |
| Total equity | $23.7M | |
| Loans / deposits | 88.14% (p76 of band) | 73.59% |
| Liquid assets / assets | 15.03% (p12 of band) | |
| Uninsured deposits / deposits | 8.18% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.14% (p27 of band) | 11.76% |
| Unrealized securities loss / equity | -2.38% (p68 of band) | -6.57% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 0.60% (p21 of band) | 1.17% |
| Net interest margin | 4.24% (p65 of band) | 3.93% |
| Efficiency ratio | 80.17% (p79 of band) | |
| Noncurrent loans | 0.37% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p81 of band) | |
| Reserve coverage of noncurrent | 197.30% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 31.96% (p66 of band) | |
| Auto loans | $13.9M (7.35% of loans; DQ 1.72%, NCO -0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 | reserve under noncurrent | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, reserve under noncurrent |  |
| 2014-09 | 0 |  | capital falling, reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2020-03 | 1 |  | loans exceed deposits |
| 2020-06 | 1 | capital falling | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-02-07 [Civil suits - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMikwFBVV95cUxORUY3UjNUQ3N6MUk0SFk3Skk1Y3dIYXN1cE0xY2Q1bFMyZXFxX2ItSDB5bEN6aTQ1U19oTWExQVQtWjF5Wkw4UHpiTkZSWmtIV3YwTm5Nc1JYRVlZTDNuZDBZYXI3RWpMSV9VMHo2djZocW1kNTFWZDVPSklkXzdmQkRCNXpXdnM3YTVBb3Nyay1mUmM?oc=5) · The Parkersburg News and Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14744 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "14744", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide