🏦Bank Scorer

WOODSFIELD SAVINGS BANK

WOODSFIELD, OH · Supervised by FDIC

Est. 1887FDIC #32,292RSSD: FDIC-32292
Satisfactory Same

Current rating · Exam: January 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.05%

Institution Profile

FDIC BankFind

Address

600 Lewisville Rd, WOODSFIELD, OH

County

Monroe County

Established

March 12, 1887

Total Assets

$122M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$122M

Total Deposits

$111M

Net Loans

$86M

Net Income

$310K

ROA

1.05%

ROE

12.71%

Risk-Based Capital

15.61%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.90%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$105M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410166.34%9.90%
20238256.1%15.85%
202214171.63%14.89%
202110464.42%13.46%
202011970.59%8.40%
201911573.91%4.35%
201811969.75%14.29%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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