BlastPoint's Banking Scorecard
Whitesville State Bank
Micro
Specialty: Other
WV
FDIC cert 16453
Designations: ✓ Community bank
Whitesville, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
Whitesville State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.77% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.0M
+4.8% YoY
-0.1% QoQ
|
-$79.5M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$73.8M
+6.7% YoY
+1.4% QoQ
|
-$65.4M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$125.1M
+2.7% YoY
-1.9% QoQ
|
-$58.5M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.28%
-36.9% YoY
-29.4% QoQ
|
-0.81% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.72%
+6.0% YoY
+1.6% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
86.29%
-3.6% YoY
+2.9% QoQ
|
+18.57% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.85%
+206.7% YoY
+71.6% QoQ
|
+0.21% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
58.95%
+3.9% YoY
+3.4% QoQ
|
-15.58% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
25.25%
+2.3% YoY
-1.0% QoQ
|
+2.86% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.52%
+88.0% YoY
+49.3% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.33%
+0.7% YoY
+25.7% QoQ
|
+0.77% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Non-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Why this stands out
Current:
1.33%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest Income / Assets
Current: 1.33% · Tier avg: 0.56%
77
77th pctile
Loan-to-Deposit Ratio
Current: 58.95% · Tier avg: 74.53%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.25% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
38
38th pctile
Total Deposits
Current: $125.1M · Tier avg: $183.7M
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
34
34th pctile
Total Assets
Current: $138.0M · Tier avg: $217.5M
33
33th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.64%
31
31th pctile
Total Loans
Current: $73.8M · Tier avg: $139.2M
12
12th pctile
Efficiency Ratio
Current: 86.29% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.28% · Tier avg: 1.08%
Top Weaknesses
12
12th pctile
Return on Assets
Current: 0.28% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.29% · Tier avg: 67.73%
31
31th pctile
Total Loans
Current: $73.8M · Tier avg: $139.2M
33
33th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.64%
34
34th pctile
Total Assets
Current: $138.0M · Tier avg: $217.5M
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
38
38th pctile
Total Deposits
Current: $125.1M · Tier avg: $183.7M
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.25% · Tier avg: 22.39%
77
77th pctile
Loan-to-Deposit Ratio
Current: 58.95% · Tier avg: 74.53%
95
95th pctile
Non-Interest Income / Assets
Current: 1.33% · Tier avg: 0.56%