A fixture in Parkersburg
The bank has lent in Parkersburg-Vienna since at least 1990. Its share there rose to 3.6% from 3.0% in 2025. Peoples Bank leads that market. The bank also reached 0.2% in Charleston, which it entered in 2018.
Applications / Mortgage Analytics / Lenders / West Virginia / Williamstown Bank
Williamstown Bank
Williamstown, WV · State non-member bank · FDIC · $228 million assets · 79 loans in 2025
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79
loans originated, 2025
102
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Williamstown Bank is a long-standing lender in Parkersburg-Vienna, where it ranks 10 of 111 and added to its share in 2025.
Steady growth, modest loans
Loans rose 11% to 79, close to the 9% of similar lenders, state non-member banks making between half and twice as many loans, and the 10% of the whole market. Its typical loan, $105,000, was smaller than the $175,000 of similar lenders and unchanged from a year before. Half its lending was for home purchases, and all of it conventional. It filed no reports for 2020 to 2022, when small lenders need not report.
Fewer lower-income borrowers this year
Low- and moderate-income (LMI) borrowers took 13.0% of its loans, down from 30.9% a year earlier and lower than at most similar lenders, whose typical share was 27.4%. On 79 loans, a few borrowers either way move that figure a long way, and the swing from one year to the next suggests as much. Its lending in LMI neighborhoods went the other way, rising to 19.0% from 8.5%, near the middle of similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
79 loans in 2025, against a peak of 95 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Williamstown Bank took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
50.6% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 50.6% · Refinance 24.1% · Other 17.7% · Home improvement 7.6%
Conventional 100.0% · of 79 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 3 metros, 9 counties
| State | Loans | Share |
|---|---|---|
| West Virginia | 58 | 73.4% |
| Ohio | 21 | 26.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Parkersburg-Vienna | 47 |
| Charleston | 5 |
| Columbus | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JDJ660YLLPS872 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 918132 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111483 | 1990–2006 |
| Respondent ID (the HMDA filer code before 2018) | 314744 | 2007–2017 |
Established 1 January 1919. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Williamstown Bank's data.
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