Is Whitesville State Bank Safe?
Whitesville State Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (35/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.41% | 100/100 |
| Nonperforming Loan Ratio | 0.48% | 90/100 |
| Liquidity Ratio | 41.30% | 100/100 |
| Return on Assets | 0.38% | 35/100 |
| Total Assets | $0.1B | |
How does Whitesville State Bank compare?
With a Bank Health Score of 91/100, Whitesville State Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within West Virginia, where 43 FDIC-insured banks are headquartered, Whitesville State Bank ranks above the state average of 64/100 (Grade C).
The bank's Tier 1 capital ratio of 16.41% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.48% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Whitesville State Bank's Bank Health Score improved by 1.0 points to 91/100. Tier 1 capital strengthened by 0.61 percentage points to 16.41%. Quarter-over-quarter, the score rose by 1.0 points.
Whitesville State Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (35/100).