Woodsfield Savings Bank
Woodsfield, Ohio · FDIC Cert #32292
Woodsfield Savings Bank is an FDIC-insured bank (Certificate #32292) with $110M in total assets and $101M in total deposits as of the Q2 2024 Call Report. Headquartered in Woodsfield, Ohio, the bank maintains a Tier 1 capital ratio of 14.32% (Well-Capitalized) and a nonperforming loan ratio of 1.25%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Woodsfield Savings Bank (FDIC cert 32292) is a community bank — $110M in total assets, $101M in deposits, serving the Woodsfield, Ohio area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.32% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.25% 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: 27.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is minimal: ROA of 0.13% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. 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. Woodsfield Savings Bank carries a composite BankHealth grade of A (80/100) 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: Woodsfield Savings Bank
- Total Assets
- $110M
- Total Deposits
- $101M
- Tier 1 Capital Ratio
- 14.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.25%
- Liquidity Ratio
- 27.29%
- Return on Assets
- 0.13%
- Headquarters
- Woodsfield, Ohio
- FDIC Certificate
- #32292
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Woodsfield Savings Bank holds a Tier 1 capital ratio of 14.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Woodsfield Savings Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Woodsfield Savings Bank shows strong financial health indicators. With $110M in assets and a Health Score of 80/100, 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 Woodsfield Savings Bank Compares
Woodsfield Savings Bank’s Health Score of 80 is 13 points above the Ohio state average of 67 across 144 FDIC-insured banks. Its 14.32% Tier 1 capital ratio is 0.3 points above the US banking industry average near 14%. The 1.25% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.13% is below the national ROA benchmark of ~1.1%. Among 1160 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Woodsfield Savings Bank is 10 points above the portfolio average of 70.
Frequently Asked Questions
Woodsfield Savings Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.32%, 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. Woodsfield Savings Bank's Tier 1 capital ratio of 14.32% and nonperforming loan ratio of 1.25% 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 Woodsfield Savings Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32292). 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.
Woodsfield Savings Bank holds $110M in total assets and $101M in total deposits. It is headquartered in Woodsfield, Ohio (FDIC Certificate #32292).
Woodsfield Savings Bank has a Tier 1 capital ratio of 14.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.25%, and the return on assets is 0.13%.
Yes. Woodsfield Savings Bank is FDIC-insured (Certificate #32292). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Woodsfield Savings Bank'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.