First Nb of Williamson
Williamson, West Virginia · FDIC Cert #6805
First Nb of Williamson is an FDIC-insured bank (Certificate #6805) with $116M in total assets and $108M in total deposits as of the Q2 2024 Call Report. Headquartered in Williamson, West Virginia, the bank maintains a Tier 1 capital ratio of 11.32% (Well-Capitalized) and a nonperforming loan ratio of 1.64%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Williamson (FDIC cert 6805) is a community bank — $116M in total assets, $108M in deposits, serving the Williamson, West Virginia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.32% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.64% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 32.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.15% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Nb of Williamson carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Williamson
- Total Assets
- $116M
- Total Deposits
- $108M
- Tier 1 Capital Ratio
- 11.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.64%
- Liquidity Ratio
- 32.50%
- Return on Assets
- -0.15%
- Headquarters
- Williamson, West Virginia
- FDIC Certificate
- #6805
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Williamson holds a Tier 1 capital ratio of 11.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Williamson has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Williamson shows strong financial health indicators. With $116M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Williamson Compares
First Nb of Williamson’s Health Score of 72 is 8 points above the West Virginia state average of 64 across 43 FDIC-insured banks. Its 11.32% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 1.64% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -0.15% is below the national ROA benchmark of ~1.1%. Among 1185 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Nb of Williamson is 2 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of Williamson has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Williamson's Tier 1 capital ratio of 11.32% and nonperforming loan ratio of 1.64% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Williamson is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #6805). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Williamson holds $116M in total assets and $108M in total deposits. It is headquartered in Williamson, West Virginia (FDIC Certificate #6805).
First Nb of Williamson has a Tier 1 capital ratio of 11.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.64%, and the return on assets is -0.15%.
Yes. First Nb of Williamson is FDIC-insured (Certificate #6805). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Williamson's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.