BlastPoint's Banking Scorecard
MCNB Bank and Trust Co.
Welch, WV
8 branches across WV · VA
MCNB Bank and Trust Co. faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 37.9% in tier
- - ROA 0.53% below tier average
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 10.03% above tier average
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$365.5M
+1.9% YoY
+0.8% QoQ
|
-$20.5M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$255.1M
-0.3% YoY
+2.1% QoQ
|
-$581K |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$301.5M
-1.0% YoY
+2.1% QoQ
|
-$26.5M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.74%
+62.2% YoY
+19.0% QoQ
|
-0.53% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.50%
+14.8% YoY
+5.5% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
75.31%
-10.1% YoY
-3.7% QoQ
|
+10.03% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
1.11%
+980.9% YoY
-17.5% QoQ
|
+0.22% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
84.63%
+0.8% YoY
-0.0% QoQ
|
+7.99% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
15.33%
+2.7% YoY
-1.4% QoQ
|
-6.69% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.86%
+325.3% YoY
-15.1% QoQ
|
+0.22% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
12.18%
+5.0% YoY
+0.6% QoQ
|
-3.65% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.17%
+15.6% YoY
-73.2% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
80% |
Get Full Access to MCNB Bank and Trust Co.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.