CITIZENS BANK OF MORGANTOWN, INC.

MORGANTOWN, WV | Micro | Est. Sept. 20, 1979, midnight | FDIC #22954 | RSSD #897237 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF MORGANTOWN, INC. is amn micro FDIC-insured commercial bank headquartered in MORGANTOWN, WV, established in Sept. 20, 1979, midnight. As of 2025-12-31, the bank reported total assets of $52M and total deposits of $42M. Profitability stands at 1.44% ROA and 8.51% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 17.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.60% and a Texas Ratio of 2.34%. FDIC Certificate #22954.

Assets

$52M

Deposits

$42M

Loans

$38M

Equity

$9M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 8.51%
Net Interest Margin (NIM) 5.05%
Yield on Assets 6.20%
Cost of Funds 1.65%

Asset Quality

NPL Ratio 0.60%
Net Charge-Off Ratio --
Texas Ratio 2.34%
NPA Ratio 0.44%
ACL / Loans 2.01%

Capital & Liquidity

CET1 Ratio 17.51%
Tier 1 Capital 17.51%
Total Capital Ratio 18.39%
Leverage Ratio 18.42%
Loan-to-Deposit 91.95%

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