# WHITESVILLE STATE BANK
WHITESVILLE, WV · FDIC certificate 16453 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $137.6M | |
| Deposits | $126.3M | |
| Loans and leases | $76.2M | |
| Total equity | $9.7M | |
| Loans / deposits | 59.76% (p30 of band) | 73.59% |
| Liquid assets / assets | 39.76% (p62 of band) | |
| Uninsured deposits / deposits | 22.83% (p61 of band) | 19.81% |
| Brokered deposits | 0.18% | |
| Wholesale funding | 0.18% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.96% (p24 of band) | 11.76% |
| Unrealized securities loss / equity | -57.95% (p5 of band) | -6.57% |
| AOCI / equity | -0.99% (p28 of band) | |
| ROA (annualized) | 0.53% (p18 of band) | 1.17% |
| Net interest margin | 4.01% (p55 of band) | 3.93% |
| Efficiency ratio | 85.09% (p85 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.36% |
| Net charge-offs (annualized) | 0.10% (p86 of band) | |
| Reserve coverage of noncurrent | 151.93% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 30.16% (p64 of band) | |
| Auto loans | $8.9M (11.69% of loans; DQ 0.44%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | deposits shrinking |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | deposits shrinking |
| 2018-06 | 2 | deposits shrinking |  |
| 2018-09 | 1 | charge-offs p90 | reserve under noncurrent, deposits shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | expense ratio p90 |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | expense ratio p90 |
| 2022-06 | 3 | charge-offs p90 | capital falling |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling | charge-offs p90 |
| 2023-09 | 3 | AOCI drag >20% of equity, charge-offs p90 | capital falling |
| 2023-12 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | capital falling, charge-offs p90 |  |
| 2026-06 | 1 |  | capital falling, charge-offs p90 |

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

- 2026-06-12 [Suspect in Whitesville State Bank robbery in Belle arrested - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOUDdRZ2QzSGJ2NGZTeGRDQ1Q2aEVNb2NxOExPREVKOFMzSjBiYWNBbUt5MmZyTDFOZVgwSWVPaHprcXFnNElFLWs5UlY3cjBDM3NzUXVGei04cGNwOVFVUUhwRlpfQW55Q1lWR0xWRkdtai1tWEtHNURvWlU4RERBYjdrY2M0NWtWUFFWMUozdHljQnFOWkdzemFrZllGblVpMWh3VnZSWlZTeXo3UlBuUFBybno0bUx2T0ltSVhRNzlZb0ZIc182Tm9JRTcxZE9DSnpzT1V5dktpUWRCQ0Vzbm9xOHZYS2NGajJ5SC1hYw?oc=5) · Charleston Gazette-Mail
- 2026-06-04 [Suspect sought in Kanawha County bank robbery - WOWK 13 News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNzJob2J0MGFYQjNnX1hvR0hoRWVHbGlXZmJSeUw5WEJHSEdYeXBHV1ByU2d3SlZhUUY1RnpHTmJOWU1NeFVmdlR1eVJsZkpyTkdDWDJVXzJOMXBxb1BJblRkMGVRdmM1N1dXTzlYekZPUlVJamU0OUFpZHFZWFNNZndNWnhpMGJ3MXZOd0JaelV3UWg2anhPVF9DaXJpU2I1TDJsMGx1cHY2Z9IBrwFBVV95cUxNRVZMQmJQeGppWWg0Si1wSjZkQUtuUjFDaUF2YTAzQ0JWd21QOV9JWXZPZlVrbVMxejJLaFBHTHhrWGhObmJFX3QyLUFJd2huZ2dCUG1mX3VuSXlIOW9GeXpWRTNfRDdXWElOMldXTHV5UTZoVFFTUUlrM1dDcE5NMTljaTluSHFYOFl3NjNsdDlBaGIwZ0Fpd09QSVo3QkkzQUJWYWhTTHg2VkJ3OHZV?oc=5) · WOWK 13 News
- 2026-06-10 [Man charged in Kanawha County bank robbery - WSAZ](https://news.google.com/rss/articles/CBMifEFVX3lxTE1qS1RxQnZVaVN3NWFFVDNweVJwOGVhNVpFVGVRMUFkMEZXYjIwOXFtb0RsZ0RlbUdQc2dzTE1TTEh4cUFLaGFNZTZsaGNzR3RvTVhjOTc5LVBDNVhBX1pNNVQzSXJobWo2aUVhNXNqUzJwYWhQYkFrS19BTDLSAZABQVVfeXFMTkdoUmx5WWdFSk53OWhWazdvTWNRamVYMktJdzVLeVAxQkIxUXhyTnpOR3kzN2JGTFJSZXotRnQ0bks4ZVNaMVJLcG5oNGRUVG1fVlBBMVRqOHVab1ZTT1AwMFZra19xMEVSMEhNZkRyUVI0QzRnQlptcTlmNzVMNEMxN09JQ3VWUmJ2LUlnd05z?oc=5) · WSAZ
- 2026-06-04 [Kanawha County bank robbery suspect taken into custody, deputies say - WCHS](https://news.google.com/rss/articles/CBMioAFBVV95cUxPVDE1OGZOUjNYMFN2VjdYR3FMRVJUTVhYbXRxR3NrZkI4bW5XV2d4SHZuaGJxNGhHS0xCM0g2a0VaeEpGTFpIUEtCNENtMXZYS29TaHlkNFVPcTZuWUItSFhPc0t3VF9adFB3LWhadl9JSDB3a19ndHdjNnIyNVdza3hka0xwWVd3ZEJGcWxVNUFOVGxwUjZLVjBMempXVjV4?oc=5) · WCHS
- 2026-06-10 [Man arrested in connection to bank robbery in Belle - WV MetroNews](https://news.google.com/rss/articles/CBMikAFBVV95cUxQQ3liLTJ3R21ZU004QkhqODQtdmFuRjM2ZUFHQU1taXAzQk5acUk5U1d6QTI3WEdfRnlPR0VDVlVrZmROaWFmT240OVgxOWxtbmhBcDRBNEtFNExBN3phdS10MmlESF83dVRvRDhWMjB2eTExb1ZEYVFOUG5MejNXZlVrWHFPdWJsUW12ejZlV2s?oc=5) · WV MetroNews
- 2026-06-05 [Police searching for man after bank robbery - WSAZ](https://news.google.com/rss/articles/CBMifEFVX3lxTE43SkY4NTNRWjEyT1YtMjZTTzJ0S2ZkX3ZlOGNEZDNaT09PUnJKMW9kcllycGdwSHptajVud2o1Yl8wSk5HbnlHalFmdGlRMjZnRldRdHpYYkw1UVNiZDdMcXU5V2RLZkdCNUV4NUE1X1BfcmpkbUNuN1pVR1jSAZABQVVfeXFMTTFVTEZzaF81MmZmRkZHc0VWTHJ5c2FhSVR1eE1Bdkc3R2tHNDV1bVdudFpaWlZIX1h1Ym5HVHBjVTg2TGxkd0NEWFdtek5TR3NzbVJqZzBLYl9TckxHUnpRRnVpUkZ5aG5HZkFJMlVMRy1zbTljbWVYRkJXM0x4UHRlYS1FYVJVeEM2Um9IQzdx?oc=5) · WSAZ
- 2026-06-04 [UPDATE: More details released as KCSO looks for man in Belle bank robbery Thursday - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMijwJBVV95cUxNM2hxZzZYeWFjSmpDOUhnQlJRQjJfU2JQNTNZYlZOcDRKME0yV2I0RUtZR25zTDNtaldFTjBVLVJvNVRrV09vZVZadVNwY0djanRXcFpHcnMyRnVjd29nSXRJTHJmbW9zUEMyOHpOa2QtLV9kREVtWXdUc0ptMUQ0VktpV0F3Rk42TnZQc0VYZzE3NW1IN05yNnpiaEI1bG1heFl1Tl80YUNGLTR5WFFJb3JZaWN0cXZzODNZSkw2LXBLUjhPUUdNcmR6Q1Z3cVN0WjJxTXd6bjZvQTlzV2FNS1Q2ZHNnTkFNaGYwUWJ5cUxvbUlXaUd2Nm9nUmFnZEVZRm02TUJNc0ZyRUZ1bkVR?oc=5) · Charleston Gazette-Mail
- 2026-06-10 [Suspect arrested in Kanawha County bank robbery - WOWK 13 News](https://news.google.com/rss/articles/CBMirAFBVV95cUxOakZWbGE0WlhweE83cXkwaW5penF5NjNYMWF3ck4zUDAzSXJzZXRVQWRzRTF4R0VnckQzN25fbm1XT0JMVzBKU0Jxa2F2bmxyeUFMU1g5aUo3amF0OXhoWTFvOWpBczFoMFdDQXpmTi0wb2xHOUt3VFBwY3FqUTJJYTFub0NmQ0hsWVVpUVdNMWYybE0xdk1MUVhGVW1GRVFzS1J6R0tjX0hJUEhT0gGyAUFVX3lxTE1uZjlzMThVemt0OTM5MW0tbklhcHhOMTQ2U2FBYm1fVG1EX0ZBUzF6UHE5MUxydmJYUTB2ZWdDc0ZnMWpMSm84QlVvVm9KUGRvRzQwa0doMVppTlFIRkdtT2F6dTdHcnU1NHlOWGM5bmdmYmFOMHdnSjNXTlhIY2taUDRQZEc5MjI0NC1yVFFiZm5GcFMxcEN0ZU43b1B2ODRKanJPM0RfckFYdVdSNWVHMnc?oc=5) · WOWK 13 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16453 (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/5.json (key "16453", 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