| Metric | Whitesville State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +9.4% | +5.6% | +3.8 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.6M | $126.3M | $75.5M | $9.7M | $363K | 0.53% | 4.01% | 0.49% |
| Q1 2026 | $135.8M | $124.8M | $74.1M | $9.4M | $174K | 0.51% | 3.95% | 0.61% |
| Q4 2025 | $138.0M | $125.1M | $73.8M | $9.5M | $373K | 0.28% | 3.72% | 0.52% |
| Q3 2025 | $138.2M | $127.6M | $72.7M | $9.2M | $394K | 0.39% | 3.66% | 0.35% |
| Q2 2025 | $133.9M | $124.5M | $69.0M | $8.3M | $161K | 0.24% | 3.64% | 0.34% |
| Q1 2025 | $134.2M | $125.1M | $68.6M | $8.3M | $329K | 0.99% | 3.48% | 0.28% |
| Q4 2024 | $131.7M | $121.9M | $69.1M | $6.5M | $580K | 0.44% | 3.51% | 0.28% |
| Q3 2024 | $133.5M | $122.0M | $70.0M | $7.8M | $418K | 0.42% | 3.45% | 0.57% |
Loan mix (Q2 2026): real estate $49.8M · commercial $3.7M · consumer $23.2M · securities $44.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Whitesville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 62.9% | 91th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Whitesville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Whitesville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Whitesville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Whitesville State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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