BlastPoint's Banking Scorecard
Citizens Bank of Morgantown, Inc.
Designations: ✓ Community bank
Morgantown, 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 536 banks in the under $100M peer group nationwide — 1 of 4 in WV.
- Deposits +0.5% year over year ($42.5M on the books).
- Delinquency rate 0.09%.
- Return on assets 1.13%.
- Efficiency ratio 69.04% vs a 119.40% peer average.
- Loan-to-deposit ratio 91.65% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank of Morgantown, Inc. demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 1.02% above tier average
- + Efficiency Ratio 50.36% below tier average
- + Delinquency Rate 1.39% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.6M
+2.8% YoY
+1.3% QoQ
|
-$9.8M |
$62.4M
-0.0% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$39.0M
+7.4% YoY
+4.4% QoQ
|
+$4.1M |
$34.9M
-0.6% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$42.5M
+0.5% YoY
+1.1% QoQ
|
-$9.1M |
$51.6M
-0.2% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.13%
+21.8% YoY
+24.5% QoQ
|
+0.13% |
1.00%
+3.5% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
4.93%
+7.6% YoY
+1.5% QoQ
|
+1.02% |
3.91%
+2.3% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Top 14.9% in tier |
| Efficiency Ratio ? |
69.04%
-6.8% YoY
-6.5% QoQ
|
-50.36% |
119.40%
+49.6% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
0.09%
-84.2% YoY
-74.7% QoQ
|
-1.39% |
1.48%
+31.8% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
91.65%
+6.8% YoY
+3.3% QoQ
|
+17.44% |
74.21%
+12.6% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
20.46%
+14.6% YoY
-1.7% QoQ
|
-3.03% |
23.49%
+0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.07%
-83.5% YoY
-73.9% QoQ
|
-0.77% |
0.84%
+23.0% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
18.79%
+4.4% YoY
+1.0% QoQ
|
-8.34% |
27.13%
+3.0% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.11%
-53.4% YoY
+160.2% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
20.5%
+2.6pp YoY -0.3pp QoQ |
-4.2pp | 24.6% | 27.1% | 22.2% | 38% |
| Brokered Deposits |
2.4%
+2.4pp YoY +2.4pp QoQ |
-7.4pp | 9.8% | 3.0% | 8.5% | 25% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-0.5pp YoY -0.3pp QoQ |
-9.3pp | 13.4% | 7.1% | 12.5% | 14% |
| CRE |
12.2%
-4.1pp YoY +0.4pp QoQ |
-13.0pp | 25.2% | 33.8% | 41.4% | 18% |
| 1-4 Family |
79.5%
+3.9pp YoY -0.2pp QoQ |
+44.6pp | 35.0% | 52.8% | 31.3% | 91% |
| Consumer |
6.2%
+0.7pp YoY 0.0pp QoQ |
-1.5pp | 7.7% | 7.9% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
18.8%
+0.8pp YoY +0.2pp QoQ |
+1.1pp | 17.7% | 11.6% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
+1 (+11.1%) YoY +1 (+11.1%) QoQ |
-2 | 12 | 161 | 482 | 43% |
| Assets per Employee ($) |
$5.3M
-7.5% YoY -8.8% QoQ |
-$929K | $6.2M | $6.1M | $8.8M | 40% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.5pp YoY -0.3pp QoQ |
-1.6pp | 1.7% | 0.7% | 1.0% | 11% |
| Allowance Coverage |
21.11x
+504.7% YoY +280.8% QoQ |
+14.70x | 6.41x | 6.60x | 20.23x | 93% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.4%
+0.7pp YoY +1.3pp QoQ |
0.0pp | 6.4% | 10.6% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.0%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.5% | 1.7% | 28% |
| Net Income ($, YTD) |
$293,000
+24.7% YoY — QoQ |
-$25K | $317,817 | $9.0M | $40.4M | 51% |
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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.