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Woodsfield Savings Bank
Woodsfield, OH · FDIC Certificate #32292 · Chartered 03/1
Total assets
$123.30M
Total deposits
$112.69M
Total equity
$10.04M
Net loans
$88.49M
Branches (offices)
3
Net income (YTD)
$660.00K
Rank: #3,502 of 4,213 U.S. banks by assets · #121 of 155 in Ohio. Assets changed 8.1% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 13.40% |
| Net interest margin (YTD) | 4.74% |
| Equity to assets | 8.15% |
| Tier 1 leverage ratio | 8.61% |
| Uninsured deposits (share of deposits) | 10.4% |
| Noncurrent loans (share of loans) | 0.92% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 80.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $71.32M | 80.6% | |
| Commercial & industrial | $6.65M | 7.5% | |
| Consumer / individual | $11.09M | 12.5% | |
| Construction & development | $5.70M | 6.4% | |
| Agricultural | $322.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $91.40M | $83.72M | $393.00K | $7.38M |
| Jun 2023 | $103.34M | $95.08M | $507.00K | $7.97M |
| Jun 2024 | $110.41M | $101.46M | $62.00K | $8.27M |
| Jun 2025 | $114.09M | $104.53M | $305.00K | $9.08M |
| Jun 2026 | $123.30M | $112.69M | $660.00K | $10.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $112.69M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $112.69M.
Similar-sized banks
First State Bank Of Golva ($123.53M) · The Wilson State Bank ($123.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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