At a glance
From its website, read 2 Nov 2026Whitesville State Bank is a bank or thrift based in Whitesville, West Virginia. Its website describes auto loans, home repair loans, home mortgages and 2 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.whitesvillesb.com |
|---|---|
| Office (official list) | 38609 Coal River Road, Whitesville, WV 25209 |
What their website says about applying
Stop by one of our branches or contact one of our branches and speak with a loan officer if you have any questions.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Oct 2026 |
| RSSD ID | 732637 |
| Address | 38609 Coal River Road, Whitesville, WV 25209 Directions (Google Maps) |
| Website | www.whitesvillesb.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 5 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages give no loan amounts or service area, and the online application cited is for credit cards. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Automobile & Truck | source |
| Home repair / improvement loans | — | Home Improvement | source |
| Home mortgages | — | Mortgage | source |
| Personal / consumer loans | — | Personal Lines of Credit | source |
| Small-business loans | — | Business Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$694,346 in 2 awards from the U.S. Treasury's CDFI Fund, 2023–2024 (Bank Enterprise Award Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $256,996 |
| 2023 | Bank Enterprise Award Program | $437,350 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Whitesville State Bank (FDIC cert 16453). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $137.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 5 (as of 30 Oct 2026) |
Offices by state and county (5)
West Virginia (5 offices)
- Boone County (2): 38609 Coal River Rd, Whitesville 25209 (main office); 7070 Coal River Rd, Comfort 25049
- Kanawha County (1): 300 E Dupont Ave, Belle 25015
- Raleigh County (2): 1460 Robert C Byrd Dr, Crab Orchard 25827; 7022 Haper Rd, Glen Daniel 25844
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Whitesville State Bank (RSSD 732637, FDIC cert 16453). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $76.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 9.3% from $69.8 million on 30 Jun 2025 |
| Total assets | $137.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $37.1 million | 48.3% |
| Home equity lines of credit | $1.5 million | 1.9% |
| Commercial real estate, construction and multifamily | $11.3 million | 14.7% |
| Commercial and industrial (business) loans | $3.7 million | 4.8% |
| Consumer loans (credit cards, auto, other) | $23.2 million | 30.3% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $8.9 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
The filing says all or substantially all of these loans had original amounts of $100,000 or less, so the form asks only for a count: 58 loans secured by business property and 37 commercial and industrial loans on the 30 Jun 2026 report. Balances are not broken out on that version of the form.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Whitesville State Bank reported 75 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $8.5M (median loan about $65,000). 42 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 42 | 56% |
| Refinance (incl. cash-out) | 17 | 23% |
| Home improvement | 7 | 9.3% |
| Other purpose | 9 | 12% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 75 | 100% |
Included above: 27 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 7 counties with at least one; 99% of its 2025 loans were for properties in West Virginia:
- Raleigh County, WV (36)
- Boone County, WV (21)
- Kanawha County, WV (7)
- Wyoming County, WV (7)
Filed under LEI 549300GKZTKVQFQNP844 as “Whitesville State Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $137.6 million | Larger than 0% of the 8 other certified banks and bank holding companies in West Virginia (median $201.4 million). |
| Loans as a share of assets | 55% | Median of the same 8 banks and bank holding companies: 74%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $69.8 million → $76.2 million (+9%) | Median change of 8 other certified banks and bank holding companies in West Virginia: +7%. Rank by loans held among these 9: 8 → 8. |
| Home loans originated in 2025 (HMDA) | 75 | More than 35% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in West Virginia | 8 | larger than 0% |
| Loans held then vs now | certified banks and bank holding companies in West Virginia reporting both dates | 8 | rank 8 → 8 of 9 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 35% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Whitesville and West Virginia
- Big Coal River Bancorp, Inc.Bank holding company · Whitesville, WVOfficial list only
- Calhoun County Bank, Inc.Bank or thrift · Grantsville, WVAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Element Federal Credit UnionCredit union · Charleston, WVAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Personal / consumer loansVerified
- FNB Bank, IncorporatedBank or thrift · Romney, WVAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home mortgages…Verified
- Partner Community Capital, Inc.Loan fund · Charles Town, WVAgriculture / farm loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Pioneer Community Bank, Inc.Bank or thrift · Iaeger, WVAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
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