Bank of Monroe vs Whitesville State Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Bank of Monroe has a stronger Bank Health Score of 97/100 (A) compared to Whitesville State Bank at 91/100 (A), a difference of 6 points. Bank of Monroe holds a Tier 1 capital ratio of 21.32% and an NPL ratio of 0.02%.
| Metric | Bank of Monroe | Whitesville State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 97/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 21.3%* | 16.4% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.5% |
| Liquidity Ratio Cash and liquid assets vs obligations | 36.1% | 41.3%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.2%* | 0.4% |
| Total Assets | $225M | $131M |
| Total Deposits | $201M | $122M |
| Location | Union, West Virginia | Whitesville, West Virginia |
Bank of Monroe has a stronger Bank Health Score of 97/100 (A) compared to Whitesville State Bank at 91/100 (A), a difference of 6 points. Bank of Monroe holds a Tier 1 capital ratio of 21.32% and an NPL ratio of 0.02%.