The First National Bank of Williamson: how it compares with its peers
Against 11 WV banks with half to twice its assets, The First National Bank of Williamson's strongest measure in Q2 2026 is net interest margin (3.71% vs. a 4.01% peer median). Its weakest relative measure is return on assets (-0.38% vs. 0.78%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.38% | 0.78% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 4.01% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 112.34% | 73.36% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.4M | $5.3M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.10% | 65.24% | Context |
What it means for lending operations
Its efficiency ratio of 112.34% is above the 73.36% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Clay County Bank, Inc. Clay, WV · $136M
- Whitesville State Bank Whitesville, WV · $138M
- Guaranty Bank Inc. Williamson, WV · $152M
- The First National Bank of Peterstown Peterstown, WV · $85M
- The Pleasants County Bank Saint Marys, WV · $85M
- The Fayette County National Bank of Fayetteville Fayetteville, WV · $158M
Questions about The First National Bank of Williamson
How big is The First National Bank of Williamson?
The First National Bank of Williamson, established in 1903, is headquartered in Williamson, WV. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The First National Bank of Williamson's return on assets?
-0.38% annualized in Q2 2026, against a 0.78% median for 11 WV banks with half to twice its assets, ahead of 0% of them.
What is The First National Bank of Williamson's efficiency ratio?
112.34% in Q2 2026: it spent about 112 cents in noninterest expense for each dollar of revenue. The peer median is 73.36%, and lower is better.
Is The First National Bank of Williamson growing its loans?
Net loans grew 9.6% over the year to Q2 2026, while deposits shrank 3.9%.
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 WV 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 West Virginia bank ranked.