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Citizens Bank of West Virginia, Inc.

$100M-$1B Specialty: Commercial WV FDIC cert 6760

Elkins, WV

9 branches across WV · MD

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 +12.8% year over year ($678.7M on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.95%.
  • Efficiency ratio 46.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV
View $100M-$1B leaderboard (WV) →

Citizens Bank of West Virginia, Inc. has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 22.4% in tier
  • + Profitability Leader: Top 35.1% in tier
  • + Net Interest Margin 0.43% above tier average
  • + Efficiency Ratio 18.43% below tier average
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 42.2% in tier
Get updates when Citizens Bank of West Virginia, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $772.5M
+13.2% YoY -0.3% QoQ
+$385.9M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
Top 9.3% in tier
Total Loans ? $604.5M
+13.0% YoY +4.7% QoQ
+$346.1M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
Top 5.9% in tier
Total Deposits ? $678.7M
+12.8% YoY -1.4% QoQ
+$351.9M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
Top 8.0% in tier
Return on Assets ? 1.95%
+23.7% YoY -1.2% QoQ
+0.63% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
Top 14.3% in tier
Net Interest Margin ? 4.42%
+7.0% YoY +3.9% QoQ
+0.43% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 46.04%
-4.1% YoY -4.8% QoQ
-18.43% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
Top 10.1% in tier
Delinquency Rate ? 0.58%
+71.8% YoY +18.0% QoQ
-0.33% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 89.07%
+0.2% YoY +6.1% QoQ
+11.11% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 20.70%
+12.6% YoY -1.5% QoQ
-1.33% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.49%
+24.7% YoY +13.5% QoQ
-0.18% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 10.00%
-14.4% YoY -14.8% QoQ
-5.91% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
Bottom 10.7% in tier
Non-Interest Income / Assets ? 0.56%
+80.0% YoY +49.7% QoQ
-0.01% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
Top 7.8% in tier

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 20.7%
+2.3pp YoY
-0.3pp QoQ
 -1.4pp 22.1% 27.1% 22.2% 48%
Brokered Deposits 3.0%
-2.3pp YoY
+0.2pp QoQ
 -4.8pp 7.9% 3.0% 8.5% 38%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 7.8%
+2.0pp YoY
-0.3pp QoQ
 -3.7pp 11.6% 7.1% 12.5% 39%
CRE 24.9%
+7.5pp YoY
+7.0pp QoQ
 -14.7pp 39.5% 33.8% 41.4% 26%
1-4 Family 17.1%
+0.5pp YoY
-0.6pp QoQ
 -15.5pp 32.6% 52.8% 31.3% 24%
Consumer 48.6%
-6.7pp YoY
-1.6pp QoQ
 +44.5pp 4.1% 7.9% 5.0% 99%

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 10.0%
-0.1pp YoY
-0.3pp QoQ
 -2.2pp 12.2% 11.6% 12.6% 31%
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 112
+18 (+19.1%) YoY
-3 (-2.6%) QoQ
 +53 58 161 482 90%
Assets per Employee ($) $6.9M
-5.0% YoY
+2.3% QoQ
 -$621K $7.5M $6.1M $8.8M 50%
Branch Count 9
+3 (+50.0%) YoY
0 QoQ
 +4 4 13 18 86%

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 0.6%
+0.2pp YoY
+0.1pp QoQ
 -0.4pp 0.9% 0.7% 1.0% 57%
Allowance Coverage 1.79x
-39.3% YoY
-13.8% QoQ
 -22.36x 24.15x 6.60x 20.23x 44%
Net Charge-off Rate (YTD) 0.4%
+0.1pp YoY
-0.3pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 19.3%
+3.2pp YoY
-0.3pp QoQ
 +7.1pp 12.2% 10.6% 11.6% 86%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.5% 1.7% 48%
Net Income ($, YTD) $7.3M
+36.8% YoY
— QoQ
 +$4.8M $2.6M $9.0M $40.4M 96%

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 (2)

Revenue Diversifier

growth
#149 of 661 • Top 22.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.56%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#233 of 661 • Top 35.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.95%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#531 of 1256 • Bottom 42.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.58%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

156
Total Loans
size
Value: $604.46M
Peer Median: $258.35M
#156 of 2643 Top 5.9% in $100M-$1B
207
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#207 of 2643 Top 7.8% in $100M-$1B
213
Total Deposits
size
Value: $678.67M
Peer Median: $326.73M
#213 of 2643 Top 8.0% in $100M-$1B
246
Total Assets
size
Value: $772.47M
Peer Median: $386.57M
#246 of 2643 Top 9.3% in $100M-$1B
269
Efficiency Ratio
profitability
Value: 46.04%
Peer Median: 64.48%
#269 of 2643 Top 10.1% in $100M-$1B
378
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.32%
#378 of 2643 Top 14.3% in $100M-$1B
649
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.99%
#649 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2361
Tier 1 Capital Ratio
capital
Value: 10.00%
Peer Median: 15.91%
#2361 of 2643 Bottom 10.7% in $100M-$1B
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