BlastPoint's Banking Scorecard

Citizens Bank of West Virginia, Inc.

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

Elkins, WV

9 branches across WV · MD

2664 banks in the $100M-$1B peer group nationally 33 in WV

Citizens Bank of West Virginia, Inc. has 5 strengths but faces 2 concerns

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 11.3% in tier
+ Profitability Leader: Top 33.9% in tier
+ Net Interest Margin 0.32% above tier average
+ Efficiency Ratio 16.91% below tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 34.0% in tier
- Credit Risk Growth: Bottom 36.0% in tier

Get updates when Citizens Bank of West Virginia, 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 ?	$775.1M +12.8% YoY +10.0% QoQ	+$389.0M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	Top 9.3% in tier
Total Loans ?	$577.6M +8.2% YoY +4.3% QoQ	+$321.8M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	Top 6.9% in tier
Total Deposits ?	$688.2M +13.0% YoY +10.9% QoQ	+$360.2M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	Top 7.5% in tier
Return on Assets ?	1.97% +27.9% YoY +24.4% QoQ	+0.70%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	Top 13.0% in tier
Net Interest Margin ?	4.25% +4.1% YoY -0.7% QoQ	+0.32%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	71%
Efficiency Ratio ?	48.37% +0.4% YoY -0.2% QoQ	-16.91%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	Top 13.0% in tier
Delinquency Rate ?	0.49% +52.0% YoY +17.8% QoQ	-0.39%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	83.93% -4.2% YoY -5.9% QoQ	+7.29%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	21.03% +13.3% YoY +9.1% QoQ	-0.99%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.43% +17.2% YoY +10.4% QoQ	-0.21%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	11.74% +2.9% YoY +0.8% QoQ	-4.09%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.37% +150.5% YoY -36.1% QoQ	+0.09%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	Top 4.9% in tier

Get Full Access to Citizens Bank of West Virginia, Inc.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#76 of 666 • Top 11.3% 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: 0.37%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.97%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#227 of 666 • Top 33.9% in tier

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

Why this signature

Return on Assets: 1.97%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#446 of 1308 • Bottom 34.0% in tier

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

Why this signature

Delinquency Rate: 0.49%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#351 of 973 • Bottom 36.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

131

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.28%

#131 of 2664 Top 4.9% in $100M-$1B

186

Total Loans

size

Value: $577.56M

Peer Median: $255.72M

#186 of 2664 Top 6.9% in $100M-$1B

201

Total Deposits

size

Value: $688.16M

Peer Median: $327.97M

#201 of 2664 Top 7.5% in $100M-$1B

250

Total Assets

size

Value: $775.09M

Peer Median: $386.08M

#250 of 2664 Top 9.3% in $100M-$1B

346

Efficiency Ratio

profitability

Value: 48.37%

Peer Median: 65.29%

#346 of 2664 Top 13.0% in $100M-$1B

348

Return on Assets

profitability

Value: 1.97%

Peer Median: 1.27%

#348 of 2664 Top 13.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available