CITIZENS BANK OF MORGANTOWN, INC. is an 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%. CET1 capital ratio: 17.51%, well above regulatory minimums. NPL ratio: 0.60% · Texas Ratio: 2.34%. Operates 1 domestic branch.
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