Woodsfield Savings Bank: how it compares with its peers
Against 52 OH banks with half to twice its assets, Woodsfield Savings Bank's strongest measure in Q2 2026 is net interest margin (4.74% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $5.9M).
| Measure | Woodsfield Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 0.80% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.74% | 3.65% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.32% | 75.24% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $5.9M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.52% | 77.79% | Context |
What it means for lending operations
Its efficiency ratio of 68.32% is better than the 75.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Adelphi Bank Columbus, OH · $124M
- The Hamler State Bank Hamler, OH · $125M
- Community Savings Bank Bethel, OH · $120M
- The Baltic State Bank Baltic, OH · $130M
- Fidelity Federal Savings and Loan Association of Delaware Delaware, OH · $132M
- The National Bank of Adams County of West Union West Union, OH · $115M
Questions about Woodsfield Savings Bank
How big is Woodsfield Savings Bank?
Woodsfield Savings Bank, established in 1887, is headquartered in Woodsfield, OH. It reported $123M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Woodsfield Savings Bank's return on assets?
1.10% annualized in Q2 2026, against a 0.80% median for 52 OH banks with half to twice its assets, ahead of 73% of them.
What is Woodsfield Savings Bank's efficiency ratio?
68.32% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 75.24%, and lower is better.
Is Woodsfield Savings Bank growing its loans?
Net loans grew 10.0% over the year to Q2 2026, while deposits grew 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.