Whitesville State Bank (FDIC #16453): Bank Stress & Real-Estate Credit Exposure
Whitesville State Bank (FDIC Cert #16453): bank stress 90/100, severe, STABLE over 7 days; parent BIG COAL RIVER BCORP INC.
Whitesville State Bank (#16453) lends in 3 counties across 1 state; Whitesville State Bank (#16453) reaches 122 ZIP codes: West Virginia 3 counties, 122 ZIPs.
Whitesville State Bank (#16453) largest markets: Kanawha County, WV (48 branches, 48 ZIPs) (#16453), Raleigh County, WV (90 branches, 45 ZIPs) (#16453), Boone County, WV (62 branches, 31 ZIPs) (#16453).
Whitesville State Bank (#16453) reports $137.6 million in total assets; Whitesville State Bank (#16453) equity $9.7 million (7.0% of Whitesville State Bank (#16453) assets); Whitesville State Bank (#16453) domestic deposits $126.3 million; Whitesville State Bank (#16453) net income $363,000; Whitesville State Bank (#16453) return on assets 0.53%; Whitesville State Bank (#16453) return on equity 7.61%; Whitesville State Bank (#16453) net interest income $2.6 million; Whitesville State Bank (#16453) call report June 30, 2026.
Whitesville State Bank (#16453) noncurrent real-estate loans: none reported; Whitesville State Bank (#16453) net charge-offs on real estate 0.88%; Whitesville State Bank (#16453) residential charge-offs 0.31%.
Whitesville State Bank (#16453) net interest margin 4.01% against an eight-quarter Whitesville State Bank (#16453) average of 3.68% (Whitesville State Bank (#16453) compression -0.33 points); Whitesville State Bank (#16453) non-residential real estate 31.3% of equity; Whitesville State Bank (#16453) rate-exposure score 40/100, Whitesville State Bank (#16453) fixed-rate trap 40/100; Whitesville State Bank (#16453) risk type credit driven; Whitesville State Bank (#16453) rate regime rates elevated, Whitesville State Bank (#16453) snapshot October 19, 2026.
Whitesville State Bank (#16453) stress score moved from 89.6 on June 22, 2026 to 90.3 on October 20, 2026; Whitesville State Bank (#16453) ranged 89.6 to 90.3 over 117 snapshots.
Whitesville State Bank (#16453) alerts: 3 counties; top Whitesville State Bank (#16453) alert scores: Belle County, WV 28 (low); Glen Daniel County, WV 28 (low); Whitesville County, WV 28 (low).