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MCNB Bank and Trust Co.

$100M-$1B Specialty: Commercial WV FDIC cert 6803

Welch, WV

8 branches across WV · VA

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 -3.8% year over year ($292.2M on the books).
  • Delinquency rate 3.25%.
  • Return on assets 0.87%.
  • Efficiency ratio 74.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.08% 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) →

MCNB Bank and Trust Co. faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 17.2% in tier
  • - Capital Constraint: Bottom 17.8% in tier
  • - Deposit Outflow: Bottom 33.1% in tier
  • - Delinquency Rate 2.34% above tier average
  • - Nonperforming Asset Ratio 1.72% above tier average
  • - ROA 0.45% below tier average
  • - Net Interest Margin 0.47% below tier average
  • - Efficiency Ratio 9.53% above tier average
Get updates when MCNB Bank and Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $356.5M
-0.8% YoY -2.5% QoQ
-$30.1M $386.6M
+1.2% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $251.6M
-2.1% YoY -1.4% QoQ
-$6.8M $258.3M
+1.7% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $292.2M
-3.8% YoY -3.1% QoQ
-$34.5M $326.7M
+0.7% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.87%
+58.7% YoY +18.6% QoQ
-0.45% 1.32%
+10.8% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 3.52%
+10.6% YoY +0.5% QoQ
-0.47% 3.99%
+5.0% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 74.01%
-7.6% YoY -1.7% QoQ
+9.53% 64.48%
-3.2% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 3.25%
+192.8% QoQ
+2.34% 0.92%
+15.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
Bottom 5.5% in tier
Loan-to-Deposit Ratio ? 86.08%
+1.8% YoY +1.7% QoQ
+8.13% 77.95%
+1.0% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 15.23%
-0.1% YoY -0.6% QoQ
-6.80% 22.03%
-0.6% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 2.38%
+176.7% QoQ
+1.72% 0.67%
+16.4% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
Bottom 5.2% in tier
Tier 1 Capital Ratio ? 12.29%
+4.3% YoY +1.0% QoQ
-3.61% 15.91%
+1.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.39%
+23.2% YoY +125.7% QoQ
-0.18% 0.57%
+7.6% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
84%

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 15.2%
0.0pp YoY
-0.1pp QoQ
 -6.9pp 22.1% 27.1% 22.2% 25%
Brokered Deposits 1.7%
+0.1pp YoY
+0.1pp QoQ
 -6.1pp 7.9% 3.0% 8.5% 27%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 2.3%
+0.2pp YoY
-0.2pp QoQ
 -9.3pp 11.6% 7.1% 12.5% 7%
CRE 63.5%
+0.6pp YoY
-0.1pp QoQ
 +24.0pp 39.5% 33.8% 41.4% 88%
1-4 Family 32.8%
-1.1pp YoY
+0.2pp QoQ
 +0.2pp 32.6% 52.8% 31.3% 57%
Consumer 0.7%
0.0pp YoY
0.0pp QoQ
 -3.4pp 4.1% 7.9% 5.0% 21%

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 12.3%
+0.5pp YoY
+0.1pp QoQ
 +0.1pp 12.2% 11.6% 12.6% 68%
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 62
+2 (+3.3%) YoY
+2 (+3.3%) QoQ
 +3 58 161 482 65%
Assets per Employee ($) $5.8M
-4.0% YoY
-5.6% QoQ
 -$1.8M $7.5M $6.1M $8.8M 28%
Branch Count 8
0 YoY
0 QoQ
 +3 4 13 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.4% 51%
Nonaccrual 3.2%
+3.1pp YoY
+2.1pp QoQ
 +2.2pp 0.9% 0.7% 1.0% 95%
Allowance Coverage 0.32x
-96.6% YoY
-66.6% QoQ
 -23.83x 24.15x 6.60x 20.23x 4%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 7.6%
+2.4pp YoY
+1.1pp QoQ
 -4.6pp 12.2% 10.6% 11.6% 24%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.5% 1.7% 62%
Net Income ($, YTD) $1.6M
+59.6% YoY
— QoQ
 -$977K $2.6M $9.0M $40.4M 44%

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 (3)

Flatlined Growth

risk
#92 of 529 • Bottom 17.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.87%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Capital Constraint

risk
#20 of 107 • Bottom 17.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 86.08%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.29%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Deposit Outflow

decline
#178 of 535 • Bottom 33.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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 (1 metrics)

421
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#421 of 2643 Top 15.9% in $100M-$1B

Top Weaknesses (3 metrics)

2507
Nonperforming Asset Ratio
credit_quality
Value: 2.38%
Peer Median: 0.67%
#2507 of 2643 Bottom 5.2% in $100M-$1B
2489
Delinquency Rate
credit_quality
Value: 3.25%
Peer Median: 0.92%
#2489 of 2633 Bottom 5.5% in $100M-$1B
2064
Efficiency Ratio
profitability
Value: 74.01%
Peer Median: 64.48%
#2064 of 2643 Bottom 21.9% in $100M-$1B
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