BanksCITIZENS BANK OF WEST VIRGINIA, INC.

CITIZENS BANK OF WEST VIRGINIA, INC.

ELKINS, WVMediumEst. Jan. 22, 1924, midnightFDIC #6760RSSD #481627FDIC
Latest · 2025-12-31

CITIZENS BANK OF WEST VIRGINIA, INC. is an 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%. CET1 capital ratio: 11.65%, well above regulatory minimums. NPL ratio: 0.35% · Texas Ratio: 3.07%. Operates 6 domestic branches.

Assets
$705M
Deposits
$621M
Loans
$559M
Equity
$73M

Profitability

Return on Assets (ROA)1.57%
Return on Equity (ROE)15.08%
Net Interest Margin4.61%
Yield on Assets6.53%
Cost of Funds1.99%

Asset Quality

NPL Ratio0.35%
Net Charge-Off Ratio0.26%
Texas Ratio3.07%
NPA Ratio0.34%
ACL / Loans1.03%

Capital & Liquidity

CET1 Ratio11.65%
Tier 1 Capital11.65%
Total Capital Ratio12.60%
Leverage Ratio10.33%
Loan-to-Deposit90.10%

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