# WOODSFIELD SAVINGS BANK
WOODSFIELD, OH · FDIC certificate 32292 · 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 | $123.3M | |
| Deposits | $112.7M | |
| Loans and leases | $89.4M | |
| Total equity | $10.0M | |
| Loans / deposits | 78.52% (p59 of band) | 73.59% |
| Liquid assets / assets | 23.70% (p29 of band) | |
| Uninsured deposits / deposits | 10.40% (p16 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.61% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -7.67% (p47 of band) | -6.57% |
| AOCI / equity | -1.48% (p19 of band) | |
| ROA (annualized) | 1.10% (p46 of band) | 1.17% |
| Net interest margin | 4.74% (p84 of band) | 3.93% |
| Efficiency ratio | 68.32% (p57 of band) | |
| Noncurrent loans | 0.92% (p69 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 111.49% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 56.75% (p83 of band) | |
| Auto loans | $7.2M (8.02% of loans; DQ 1.78%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 25 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 3 | NIM <2.5% |  |
| 2013-06 | 5 | leverage <7%, AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 | NIM <2.5%, noncurrent p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 3 |  | leverage <7% |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | uninsured deposits leaving |  |
| 2015-06 | 5 | deposits shrinking |  |
| 2015-09 | 5 | assets shrinking | NIM <2.5% |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 2 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2016-09 | 1 |  | noncurrent p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2018-06 | 3 |  | losing money |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | capital falling | expense ratio p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | uninsured deposits leaving |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | reserve under noncurrent |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 1 | reserve under noncurrent |  |
| 2023-06 | 1 | capital falling | reserve under noncurrent |
| 2023-09 | 1 | reserve under noncurrent | capital falling |
| 2023-12 | 2 | noncurrent p90 |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 2 |  | noncurrent p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2025-06 | 1 | capital falling | charge-offs p90 |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2024-01-13 [Officials cut ribbon to open new Woodsfield Savings Bank in Cadiz - - timesleaderonline.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOS1VSUnpOdC1KZ3pJNFVHcjFjZnZRVGtocG5WLU0xc1g0aVV6bW1ieENTSWRDa0EycXlUZjNpLWJnMEFEN2FUdDNxN1Z6WnNBRmZlQ2FweWMyLUwyM0hTdGtrQTBQTXI3YjZWNVp6TzBZT3NjZUFDZXNqclhsTnZTNThqcVZHSnVrSlYwMnZNbnVfTlUyOE1Zbm9lbjh4RzE2UG82emhuWENpdjZWbHNsTkFROHdPd3hzcU9sbERGVkg?oc=5) · timesleaderonline.com
- 2020-08-19 [Woodsfield Savings Bank named Industry Top Loan Producer - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5aM1JldHJ0TlIxZ3lncU9BNTVLNHE1ZTNyakkwakRSSVhnTnRhQThsZkVTWmdlUTRUc1JHWWVZZjJoY004MHNsemVnenlORW44eVVKbDJJNU9yVHRRMnVoZU43SE0ya00?oc=5) · The Columbus Dispatch
- 2025-08-13 [Obituary for Carol Ann Schumacher - Bauer Turner Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5mby1naXZXbjJPdUh4U2ZLaXFhR3NpemhyQ1hRc01mR19IVk9aYmdNMkJ2LWpjUzhqZTRMRzQtWkEtank5UElTdkkxUUhjcE9vamtBbmo1MGpQVnRYYmhWT0xmQQ?oc=5) · Bauer Turner Funeral Home
- 2022-03-12 [Woodsfield Savings Bank planning to build newest branch in Cadiz - - timesleaderonline.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNXhNVVJBNjdQTnFmeC1aTnB3cS1JejJrNHE2Q1dteXBPYUFmR0pSYjNsX2lkMHA2cWc0dVdPVmlwZ2MxZnQxMHRyZUFDLVR5Y0xvTWhmbmNyd0pxenQyRDB0R2VuLVpTNU9nUm50c2p4M1RNU0xPa0dqTGxTdWtDWGpWVHVPY3c4a0R3Y2gya05UYUJCSjN0YVpzdEJ2RUVpN01uSy1hX2V5dU5iZmR6SFJ5Ui1PdzRCZzEwdldBTQ?oc=5) · timesleaderonline.com
- 2024-11-27 [Barnesville unites to promote local spirit with festive holiday banners - WTRF](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWTVJV0NDWDNfS2k1WjZXdTdfcFU0cmtoVGhkcWxfNzNBMi1SNWljZTJ1UzZpVy1XcjIzVlFZYlB2ZERKSWJFQTBkdTRSc1ItLXYzbURnaUZpeW1LQ3FNcVVpUFpGbkdGTUFteHBJdG92UW42V0Z6bzI2MlBZS0NhWXc1NHd4Nzc1Z0FpLTNDOUFFQXFCb2hxYVF2Z3VRczTSAaQBQVVfeXFMUEJiYnNDbVJveVNsNlNKZWRRdE9MVkZCZlZYdVFOckM2NVRGRmdUaFh6S0MyWTI4SXpiVWZJOXBBeU9vcTJaVmxGTFFsYnJNdUozMEdpZ2dvM2JSQzJfY2M0bDFsT2xOZ085bXlIckhNV1czbFcwU2tyNjBHNkMzM2k4Sk83X19tUzdsZFlfMk1STWFsSFVTN3Z3SmJZRmVqa3ZIRTk?oc=5) · WTRF
- 2022-07-15 [2022 Harrison County Fair sale - Farm and Dairy](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQzR0SzB2S0NjU2RiUXJQcHFKOHhMTjhpdVNnR3JxcmdYdUlNWVpyZUZyNHVFYkgyMmxfS1Z1QnljbUJnT2hFZWVRTW9ZRHB3VG5zOXR0TUNHVk1XZmZ6WVVkQ3RzUXRHVTJETEpHcGJjdEx5Tk9XZ1luUGlMMTF3SWpB?oc=5) · Farm and Dairy
- 2020-01-31 [Woodsfield Savings Bank makes donation - - timesleaderonline.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPdGpiMHJIQTdmd0VKeDJOd1o5Sk1ySFVOOG1ZcXRESThfZGtaRUlMQkRFVVR1QzJBcGRGZ1ZseGFGRVhOcXB5Mk5hSTBvaGhkX1VpSDRKVzI3S2ZuN3BlMmdZcXlyWFJSZC1pMkVKcWhNMVZqR05jZ2lXMVhSZjZXLV9lTHBCWHhhSHQ2U0J4b1FpZDJDMERGU2t0SzU5QQ?oc=5) · timesleaderonline.com
- 2022-11-15 [Helen Marie Carpenter Obituary (2022) - Barnesville, OH - Campbell-Plumly-Milburn Funeral Home - Barnesville - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOOHhTb3NVSHppT0t4ZkFrTnhRa0lPaFRjcUlQTzd2RzRZaXprZldqVmdqbHZMM0ZtWDlvazBjV0J2ejg1TUhJck1sU3V2QXdsMEFMVlpINVZPM3RkVElsTWg1NTd5cXZjY1l3XzVtUTlpM1R3bzhHc3cxRlBQc1RERGhhSG4?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32292 (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/36.json (key "32292", 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