BlastPoint's Banking Scorecard

Citizens Bank of Morgantown, Inc.

under $100M Specialty: Mortgage WV FDIC cert 22954

Designations: ✓ Community bank

Morgantown, WV

541 banks in the under $100M peer group nationally 4 in WV

Citizens Bank of Morgantown, Inc. demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.07% above tier average
+ Net Interest Margin 1.00% above tier average
+ Efficiency Ratio 14.50% below tier average
+ Delinquency Rate 1.00% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Citizens Bank of Morgantown, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$51.9M +1.2% YoY +0.7% QoQ	-$10.3M	$62.2M -0.6% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$37.3M +2.2% YoY -0.8% QoQ	+$3.1M	$34.2M -1.4% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$42.1M -1.2% YoY +0.7% QoQ	-$9.7M	$51.7M -0.7% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	0.90% -13.2% YoY -14.3% QoQ	+0.07%	0.84% -2.3% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	4.86% +8.7% YoY +1.8% QoQ	+1.00%	3.86% +2.8% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	Top 14.4% in tier
Efficiency Ratio ?	73.84% +2.6% YoY +4.4% QoQ	-14.50%	88.34% +0.3% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.37% +19.1% YoY -38.3% QoQ	-1.00%	1.37% +33.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	88.75% +3.4% YoY -1.5% QoQ	+24.53%	64.22% -0.7% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	20.81% +20.6% YoY +4.2% QoQ	-2.90%	23.71% +0.3% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.27% +20.3% YoY -39.3% QoQ	-0.52%	0.79% +28.2% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	18.61% +2.6% YoY +1.0% QoQ	-8.08%	26.68% +2.0% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.04% -78.7% YoY -87.3% QoQ	-0.62%	0.67% +1.9% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	35%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 4.86%

Peer Median: 3.86%

#79 of 541 Top 14.4% in under $100M

Top Weaknesses (1 metrics)

455

Loan-to-Deposit Ratio

liquidity

Value: 88.75%

Peer Median: 64.22%

#455 of 541 Bottom 16.1% in under $100M