# WILLIAMSTOWN SAVINGS BANK
WILLIAMSTOWN, MA · FDIC certificate 23299 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $219.2M | |
| Deposits | $150.8M | |
| Loans and leases | $112.4M | |
| Total equity | $15.5M | |
| Loans / deposits | 73.68% (p62 of band) | 67.95% |
| Liquid assets / assets | 41.60% (p62 of band) | |
| Uninsured deposits / deposits | 17.72% (p86 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 20.44% (p96 of band) | |
| FHLB advances / assets | 20.44% | |
| Tier 1 leverage | 5.96% (p4 of band) | 9.95% |
| Unrealized securities loss / equity | -5.59% (p1 of band) | 2.77% |
| AOCI / equity | 1.84% (p97 of band) | |
| ROA (annualized) | 0.07% (p14 of band) | 0.78% |
| Net interest margin | 1.74% (p2 of band) | 3.77% |
| Efficiency ratio | 107.79% (p94 of band) | |
| Noncurrent loans | 3.96% (p81 of band) | 1.40% |
| Net charge-offs (annualized) | -0.03% (p10 of band) | |
| Reserve coverage of noncurrent | 29.79% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 18.59% (p53 of band) | |
| Auto loans | $53,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | losing money |  |
| 2011-12 | 7 | leverage <7%, expense ratio p90, charge-offs p90 |  |
| 2012-03 | 7 | capital falling, uninsured deposits leaving | losing money, charge-offs p90 |

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

- 2019-12-13 [Hoosac, Williamstown Savings To Share Bank Charter - iBerkshires.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxObElhRFFSUVVCQjVBR1pMei11MTVhSm0tS3BqbXczWnpOb21SMXRtTG80YnJjcENUcGZzbE55RTdJUUFoUkJ5akJDaEZEWlRpRXI3U0N5MXBhR1BWOVFmOWYzSVg3bDN5V21saVNCNXdVQW1NV3ZKVVUxMU1CQjdxQjRsUXpTMF81WWNmSmJMNHlVUHhpVUFybEtB?oc=5) · iBerkshires.com
- 2009-04-29 [Mountain One Names CEOs for Hoosac, Williamstown Banks - iBerkshires.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZGI2SGQ5R2lOY3E2SHBjTXR1YlFnZWZIQ2lsWmxUNldUWDUteGp4LTlJMk9EdGFhc2Myd2pqMVZidnl4Rk1GeUYwZkZYT3R0a0xMZFg5c2Zrb3VVZ3Nxek1SNUIyeGQ4QjE4aVVCeDBsaTQ3NVd6THM5ZzBoa2drUHYxWmZlZjF4Q1dIVGVYbHNGM09JRjFUQU5LSFg0djQ?oc=5) · iBerkshires.com
- 2017-11-08 [William Brookman Obituary (1922 - 2017) - Williamstown, MA - The Berkshire Eagle - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPZTBMOUNGX0FaSDhPRUd0Vlhua3E0VEdwdTlEYW1Ud2JqNl80OWoxMTdsQzhLNEZ1bkNTbnpEb0FZWnloLUVKUlBjd3VGcnNDOTJKUldBOUV3ZWVNMXNydkw5MmxadWtmNlFXNnFsS1JYNXo3RkdnVndLRFQzQ1BGT0JIcE9fdl96RGstWU1XQzBpdGM?oc=5) · legacy.com
- 2009-09-29 [iBerkshires.com - iBerkshires.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1rOFJsZzc5Nk9uU1JHaDlXZGp3N1dhRXEybm9TNVMyMU9KRXRDYkZyeXBDODVFTVcyR0tubk9Od2dKcHgzOHk4TUl0aFhSOUNHalhnaUZSMEpSWFkzbmY2cmIyazVhTEplQllmZnBLRQ?oc=5) · iBerkshires.com
- 2010-07-15 [Reinhold Ott Obituary (2010) - North Adams, MA - The Berkshire Eagle - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOQnFIOVg5dXJ4UDl2TERlWlRkdmVsV1JiRFZ2ckNRYzRTekYtay1KQWRYQ25RMTZYRW1aeEVFOWJxNDVWOUstOVhlVVBUWW5NT0pFRUFCcVdQUV9PNU5QQzRHWldmTm1EZ3dJQ0FYY3JsejZneGxYR2NORnFoV09EQzZfdDNJemxpUkhkTFNn?oc=5) · legacy.com
- 2024-01-14 [True North Announces Leadership Changes - iBerkshires.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPWUg2Y0JaSXFaNmdqVDlSSWRpYVlycGQzN1hDakZ4aWE0RS1iUzR2d3hHT0FRZGhlVENDUXh6R0VmYjNkam9WTUxwZThJSlI3T2JGNEI0ZlRRZW8tSVpncUhEbWRYZ19ncWYzUTlVbFRwbjdrU2NzZHlETzBLQlVPTjBZajd2QllQNExWLUdyQjhxaDg?oc=5) · iBerkshires.com
- 2008-11-15 [Raymond Mason Obituary (2008) - North Adams, MA - The Berkshire Eagle - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSGN3bFJEOWRoRkRyYzdvaU1NVEZXSno0MXJneTkzVEJYcDJiQTFob0h5MWFHX3dRZDJsSGFUYkxhbTJTU1BzaXJTY3FLbmdZWlVFNEhvX3FnWDRFSHNVdTBqU05maTZMOWRsaXZOVVpEcHhIQ3lRcFd0SVRYRElUT2hVTzdxUV9LWU1ZR05hWQ?oc=5) · legacy.com
- 2010-05-13 [Mountainone Holds Annual Meeting - iBerkshires.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQWnYyLWNaQlVHNkNMSm11MWxMNDJSOGhDbEE5YjVzMkpRdmZZYURZS1cwM3BHbUFGT2M0Ylo5UzdGT1NmUWZxUVQtYXowWXNCNVFJV24wTUFWazNGeXJ5eFdXSzNxZzMzYm5zVl9LRll6Z00yZGJkMndDRU5ZSG42aUNyRQ?oc=5) · iBerkshires.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23299 (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/3.json (key "23299", 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.

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