BanksCITIZENS BANK OF MORGANTOWN, INC.

CITIZENS BANK OF MORGANTOWN, INC.

MORGANTOWN, WVMicroEst. Sept. 20, 1979, midnightFDIC #22954RSSD #897237FDIC
Latest · 2025-12-31

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.

Assets
$52M
Deposits
$42M
Loans
$38M
Equity
$9M

Profitability

Return on Assets (ROA)1.44%
Return on Equity (ROE)8.51%
Net Interest Margin5.05%
Yield on Assets6.20%
Cost of Funds1.30%

Asset Quality

NPL Ratio0.60%
Net Charge-Off Ratio0.00%
Texas Ratio2.34%
NPA Ratio0.44%
ACL / Loans2.01%

Capital & Liquidity

CET1 Ratio17.51%
Tier 1 Capital17.51%
Total Capital Ratio18.39%
Leverage Ratio18.42%
Loan-to-Deposit91.95%

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