CITIZENS BANK OF WEST VIRGINIA, INC.

ELKINS, WV | Medium | Est. Jan. 22, 1924, midnight | FDIC #6760 | RSSD #481627 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF WEST VIRGINIA, INC. is amn medium FDIC-insured commercial bank headquartered in ELKINS, WV, established in Jan. 22, 1924, midnight. As of 2025-12-31, the bank reported total assets of $705M and total deposits of $621M. Profitability stands at 1.57% ROA and 15.08% ROE, with a net interest margin of 4.61%. The bank's CET1 capital ratio is 11.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 3.07%. FDIC Certificate #6760.

Assets

$705M

Deposits

$621M

Loans

$559M

Equity

$73M

Profitability

Return on Assets (ROA) 1.57%
Return on Equity (ROE) 15.08%
Net Interest Margin (NIM) 4.61%
Yield on Assets 6.53%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.26%
Texas Ratio 3.07%
NPA Ratio 0.34%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 11.65%
Tier 1 Capital 11.65%
Total Capital Ratio 12.60%
Leverage Ratio 10.33%
Loan-to-Deposit 90.10%

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