MCNB BANK AND TRUST CO.

WELCH, WV | Small | Est. July 1, 1900, midnight | FDIC #6803 | RSSD #20633 | FDIC
Latest Report: 2025-12-31

MCNB BANK AND TRUST CO. is asn small FDIC-insured commercial bank headquartered in WELCH, WV, established in July 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $363M and total deposits of $295M. Profitability stands at 0.76% ROA and 6.82% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 11.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 6.75%. FDIC Certificate #6803.

Assets

$363M

Deposits

$295M

Loans

$253M

Equity

$41M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 6.82%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.63%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.01%
Texas Ratio 6.75%
NPA Ratio 0.81%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 11.31%
Tier 1 Capital 11.31%
Total Capital Ratio 11.87%
Leverage Ratio 12.10%
Loan-to-Deposit 85.59%

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