MINERS AND MERCHANTS BANK

THOMAS, WV | Micro | Est. June 10, 1902, midnight | FDIC #13018 | RSSD #913436 | FDIC
Latest Report: 2025-12-31

MINERS AND MERCHANTS BANK is amn micro FDIC-insured commercial bank headquartered in THOMAS, WV, established in June 10, 1902, midnight. As of 2025-12-31, the bank reported total assets of $67M and total deposits of $58M. Profitability stands at -0.52% ROA and -3.86% ROE, with a net interest margin of 2.67%. The bank's CET1 capital ratio is 13.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.91% and a Texas Ratio of 2.45%. FDIC Certificate #13018.

Assets

$67M

Deposits

$58M

Loans

$24M

Equity

$9M

Profitability

Return on Assets (ROA) -0.52%
Return on Equity (ROE) -3.86%
Net Interest Margin (NIM) 2.67%
Yield on Assets 3.70%
Cost of Funds 1.52%

Asset Quality

NPL Ratio 0.91%
Net Charge-Off Ratio --
Texas Ratio 2.45%
NPA Ratio 0.33%
ACL / Loans 0.62%

Capital & Liquidity

CET1 Ratio 13.41%
Tier 1 Capital 13.41%
Total Capital Ratio 14.08%
Leverage Ratio 13.22%
Loan-to-Deposit 42.20%

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