Woodsfield Savings Bank (FDIC #32292): Bank Stress & Real-Estate Credit Exposure

Woodsfield Savings Bank (FDIC Cert #32292): bank stress 75/100, severe, STABLE over 7 days.

Woodsfield Savings Bank (#32292) lends in 3 counties across 1 state; Woodsfield Savings Bank (#32292) reaches 55 ZIP codes: Ohio 3 counties, 55 ZIPs.

Woodsfield Savings Bank (#32292) largest markets: Belmont County, OH (29 branches, 29 ZIPs) (#32292), Harrison County, OH (17 branches, 17 ZIPs) (#32292), Monroe County, OH (16 branches, 16 ZIPs) (#32292).

Woodsfield Savings Bank (#32292) reports $123.3 million in total assets; Woodsfield Savings Bank (#32292) equity $10.0 million (8.1% of Woodsfield Savings Bank (#32292) assets); Woodsfield Savings Bank (#32292) domestic deposits $112.7 million; Woodsfield Savings Bank (#32292) net income $660,000; Woodsfield Savings Bank (#32292) return on assets 1.10%; Woodsfield Savings Bank (#32292) return on equity 13.40%; Woodsfield Savings Bank (#32292) net interest income $2.7 million; Woodsfield Savings Bank (#32292) call report June 30, 2026.

Woodsfield Savings Bank (#32292) noncurrent real-estate loans 0.04% of its book; Woodsfield Savings Bank (#32292) net charge-offs on real estate 1.03%.

Woodsfield Savings Bank (#32292) net interest margin 4.74% against an eight-quarter Woodsfield Savings Bank (#32292) average of 4.05% (Woodsfield Savings Bank (#32292) compression -0.69 points); Woodsfield Savings Bank (#32292) real-estate loans 4.3% of equity; Woodsfield Savings Bank (#32292) rate-exposure score 40/100, Woodsfield Savings Bank (#32292) fixed-rate trap 40/100; Woodsfield Savings Bank (#32292) risk type credit driven; Woodsfield Savings Bank (#32292) rate regime rates elevated, Woodsfield Savings Bank (#32292) snapshot October 20, 2026.

Woodsfield Savings Bank (#32292) stress score moved from 74.9 on June 22, 2026 to 75.1 on October 20, 2026; Woodsfield Savings Bank (#32292) ranged 74.9 to 75.1 over 117 snapshots.

Woodsfield Savings Bank (#32292) alerts: 3 counties; top Woodsfield Savings Bank (#32292) alert scores: Barnesville County, OH 26 (low); Cadiz County, OH 26 (low); Woodsfield County, OH 26 (low).