City Nb of West Virginia vs Whitesville State Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
City Nb of West Virginia has a stronger Bank Health Score of 95/100 (A) compared to Whitesville State Bank at 91/100 (A), a difference of 4 points. City Nb of West Virginia holds a Tier 1 capital ratio of 15.17% and an NPL ratio of 0.23%.
| Metric | City Nb of West Virginia | Whitesville State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 95/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.2% | 16.4%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2%* | 0.5% |
| Liquidity Ratio Cash and liquid assets vs obligations | 26.3% | 41.3%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.3%* | 0.4% |
| Total Assets | $6.3B | $131M |
| Total Deposits | $5.1B | $122M |
| Location | Charleston, West Virginia | Whitesville, West Virginia |
City Nb of West Virginia has a stronger Bank Health Score of 95/100 (A) compared to Whitesville State Bank at 91/100 (A), a difference of 4 points. City Nb of West Virginia holds a Tier 1 capital ratio of 15.17% and an NPL ratio of 0.23%.