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435 Highland Avenue
Williamstown, WV 26187

Williamstown Bank is headquartered in Williamstown and is the 33rd largest bank in the state of West Virginia. It is also the 3,702nd largest bank in the nation. It was established in 1919 and as of June of 2014, it had grown to 33 employees at 2 locations. Williamstown Bank's savings rates are 46% higher than the national average, and it has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Williamstown Bank had $1.58 million in non-current loans and owned real-estate with $17.61 million in equity and loan loss allowances on hand to cover it. This gives Williamstown Bank a Texas Ratio of 8.99% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Williamstown Bank experienced no significant changes from 8.64% as of June 30, 2013 to 8.99% as of June 30, 2014, resulting in a negative change of 4.06%. This indicates that the balance sheet and financial strength for Williamstown Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Williamstown Bank has increased its total deposits by $2.66 million, resulting in 2.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Williamstown Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Williamstown Bank has $149.31 million in assets with $17.61 million in equity, resulting in a capitalization level of 11.79%, which is excellent.

Institution Statistics

FDIC Certificate #14744
Year Established1919
Primary RegulatorFDIC
Assets and Liabilities
Assets$149.31 million
Loans$115.39 million
Deposits$132.42 million
Equity Capital$16.28 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$1.58 million
Real Estate Owned$0
Historic Data - June 2013
Assets$145.75 million
Equity Capital$15.40 million
Loan Loss Allowance$1.25 million
Unbacked Noncurrent Loans$1.58 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.08%
Return on Equity9.9%
Interest Income$3.32 million

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Williamstown Bank Savings Account Rates

0.76%-$50kRealSaver Savings - Qualifying
0.25%--Statement Savings
0.25%--RealSaver Savings - Non Qualifying

Williamstown Bank Money Market Rates

0.20%$25k-Hi-Fi Money Market

Williamstown Bank Checking Account Rates

2.01%-$25kFree Rewards Checking - Qualifying
2.01%-$25kRealsaver Checking - Qualifying
0.25%--Free Rewards Checking - Non Qualifying
0.25%--Realsaver Checking - Non Qualifying
0.10%$1k-Super Now

Williamstown Bank CD Rates

1.05%$500-60 Month CD
0.80%$500-48 Month CD
0.60%$1k-33 Month CD
0.55%$1k-27 Month CD
0.55%$500-36 Month Rate Choice Certificate
0.45%$500-24 Month Rate Choice Certificate
0.35%$1k-15 Month CD
0.30%$500-12 Month CD
0.25%$1k-9 Month Non-renewable CD
0.20%$1k-182 Day CD
0.15%$1k-91 Day CD

Williamstown Bank IRA Rates

1.05%$500-60 Month IRA
0.80%$500-48 Month IRA
0.60%$1k-33 Month IRA
0.55%$1k-27 Month IRA
0.55%$500-36 Month IRA
0.45%$500-24 Month IRA
0.35%$1k-15 Month IRA
0.30%$500-12 Month IRA
0.25%$1k-9 Month IRA
0.20%$1k-182 Day IRA
0.15%$1k-91 Day IRA

Williamstown Bank Locations
Parkersburg Branch3002 East Seventh StreetParkersburg, WV 26102
Williamstown Bank, Inc.435 Highland AvenueWilliamstown, WV 26187