BlastPoint's Banking Scorecard
The Citizens Bank of Weston
Weston, WV
2 branches across WV
The Citizens Bank of Weston has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.17% above tier average
- + Efficiency Ratio 15.55% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.4M
+4.9% YoY
+0.1% QoQ
|
-$86.6M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$213.2M
+0.8% YoY
+1.1% QoQ
|
-$42.5M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$264.3M
+7.2% YoY
-0.2% QoQ
|
-$63.6M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.57%
+11.5% YoY
+3.2% QoQ
|
+0.30% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
4.10%
+3.3% YoY
-1.8% QoQ
|
+0.17% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
49.74%
-7.1% YoY
+0.5% QoQ
|
-15.55% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
1.84%
+310.7% YoY
+115.0% QoQ
|
+0.96% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.2% in tier |
| Loan-to-Deposit Ratio ? |
80.65%
-6.0% YoY
+1.3% QoQ
|
+4.01% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
26.28%
+7.5% YoY
+0.0% QoQ
|
+4.26% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
1.37%
+312.9% YoY
+127.1% QoQ
|
+0.73% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
10.87%
+1.3% YoY
+2.9% QoQ
|
-4.96% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.10%
+9.5% YoY
-77.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
49% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
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