BlastPoint's Banking Scorecard
The First National Bank of Williamson
Micro
Specialty: Commercial
WV
FDIC cert 6805
Designations: ✓ Community bank
Williamson, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
The First National Bank of Williamson has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 29.13% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.21% below tier
- - Efficiency Ratio 34.73% above tier
- - Delinquency Rate 2.77% above tier
- - Nonperforming Asset Ratio 1.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.5M
+2.0% YoY
-0.7% QoQ
|
-$99.0M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$74.4M
-2.5% YoY
+0.5% QoQ
|
-$64.8M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$94.0M
-12.8% YoY
-1.5% QoQ
|
-$89.7M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
-0.13%
-22.6% YoY
+29.0% QoQ
|
-1.21% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.98%
+31.3% YoY
+6.0% QoQ
|
-0.87% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
102.45%
-0.1% YoY
-0.8% QoQ
|
+34.73% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
3.41%
+50.2% YoY
+4.1% QoQ
|
+2.77% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.15%
+11.7% YoY
+2.0% QoQ
|
+4.62% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
21.71%
+18.9% YoY
+1.3% QoQ
|
-0.69% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
2.24%
+48.7% YoY
+6.4% QoQ
|
+1.79% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
37.98%
+235.8% YoY
-2.4% QoQ
|
+29.13% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.86%
-9.5% YoY
+31.7% QoQ
|
+0.30% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
37.98%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.13%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
102.45%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.41%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.24%
(Tier avg: 0.45%, National avg: 0.48%)
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
99
99th pctile
Tier 1 Capital Ratio
Current: 37.98% · Tier avg: 8.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.71% · Tier avg: 22.39%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.15% · Tier avg: 74.53%
31
31th pctile
Total Loans
Current: $74.4M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $118.5M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $94.0M · Tier avg: $183.7M
16
16th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.85%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.24% · Tier avg: 0.45%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 102.45% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.41% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.41% · Tier avg: 0.64%
4
4th pctile
Efficiency Ratio
Current: 102.45% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.13% · Tier avg: 1.08%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.24% · Tier avg: 0.45%
16
16th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.85%
27
27th pctile
Total Deposits
Current: $94.0M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $118.5M · Tier avg: $217.5M
31
31th pctile
Total Loans
Current: $74.4M · Tier avg: $139.2M
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.15% · Tier avg: 74.53%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.71% · Tier avg: 22.39%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
99
99th pctile
Tier 1 Capital Ratio
Current: 37.98% · Tier avg: 8.85%