BlastPoint's Banking Scorecard
The Citizens Bank of Weston
Weston, WV
2 branches across WV
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
- Deposits +6.2% year over year ($267.2M on the books).
- Delinquency rate 1.10%.
- Return on assets 1.61%.
- Efficiency ratio 50.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens Bank of Weston has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.29% above tier average
- + Net Interest Margin 0.26% above tier average
- + Efficiency Ratio 14.35% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$302.7M
+4.0% YoY
+1.1% QoQ
|
-$83.8M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$214.8M
-0.4% YoY
+0.8% QoQ
|
-$43.5M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$267.2M
+6.2% YoY
+1.1% QoQ
|
-$59.6M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.61%
+5.2% YoY
+2.6% QoQ
|
+0.29% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
4.25%
+4.2% YoY
+3.6% QoQ
|
+0.26% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
50.13%
-2.0% YoY
+0.8% QoQ
|
-14.35% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
1.10%
+84.6% YoY
-40.3% QoQ
|
+0.18% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
80.41%
-6.3% YoY
-0.3% QoQ
|
+2.46% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
26.53%
+5.8% YoY
+1.0% QoQ
|
+4.50% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.84%
+81.7% YoY
-38.8% QoQ
|
+0.17% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.91%
+2.4% YoY
+0.4% QoQ
|
-5.00% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.19%
-4.2% YoY
+98.2% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
46% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.5%
+1.5pp YoY +0.3pp QoQ |
+4.4pp | 22.1% | 27.1% | 22.2% | 72% |
| Brokered Deposits |
0.4%
0.0pp YoY 0.0pp QoQ |
-7.5pp | 7.9% | 3.0% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.1%
-2.7pp YoY -0.1pp QoQ |
+3.5pp | 11.6% | 7.1% | 12.5% | 76% |
| CRE |
40.1%
+1.6pp YoY +0.6pp QoQ |
+0.5pp | 39.5% | 33.8% | 41.4% | 53% |
| 1-4 Family |
35.5%
+1.5pp YoY +0.2pp QoQ |
+2.9pp | 32.6% | 52.8% | 31.3% | 62% |
| Consumer |
4.4%
-0.3pp YoY -0.2pp QoQ |
+0.3pp | 4.1% | 7.9% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
10.9%
+0.3pp YoY 0.0pp QoQ |
-1.3pp | 12.2% | 11.6% | 12.6% | 49% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
+4 (+10.5%) YoY +3 (+7.7%) QoQ |
-17 | 58 | 161 | 482 | 44% |
| Assets per Employee ($) |
$7.2M
-5.9% YoY -6.1% QoQ |
-$310K | $7.5M | $6.1M | $8.8M | 56% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 13 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.1%
+0.5pp YoY +0.4pp QoQ |
+0.2pp | 0.9% | 0.7% | 1.0% | 74% |
| Allowance Coverage |
1.22x
-35.3% YoY +72.5% QoQ |
-22.93x | 24.15x | 6.60x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.3%
+0.2pp YoY -0.3pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
+0.2pp YoY +0.3pp QoQ |
+3.2pp | 12.2% | 10.6% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.5% | 1.7% | 56% |
| Net Income ($, YTD) |
$2.4M
+11.5% YoY — QoQ |
-$139K | $2.6M | $9.0M | $40.4M | 60% |
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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
See how this bank ranks across all tracked metrics compared to peers.