Citizens Bank of Morgantown, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Morgantown, Inc. is an FDIC-insured commercial bank headquartered in Morgantown, WV, established in 1979 (FDIC certificate 22954), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $52.6M, up 2.8% from Q2 2025, the 39th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22954
- Headquarters
- Morgantown, WV
- Established
- 1979
- Total assets, Q2 2026
- $52.6M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 18.79%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 251573182
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Morgantown, Inc. call report
- Holding company
- MORGANTOWN BANCSHARES, INC.
- Asset rank in state
- 39th of 40 in West Virginia
Citizens Bank of Morgantown, Inc. earns an unusually wide margin on its lending. The Morgantown, West Virginia bank had $53 million in assets at June 30, 2026, up 2.8% from a year earlier. It keeps 4.93 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 533 banks with less than $100 million in assets (median 3.91 cents). It also funds 18.79% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 12.81%).
Earnings jumped: net income for the quarter was $176,000, 71% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.09% of loans from 0.59%. One more trend to watch: loans are outrunning deposits: over the year loans rose 7.3% and deposits rose 0.5%.
As of June 30, 2026, Citizens Bank of Morgantown, Inc. reported a return on assets of 1.36%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.37%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank of Morgantown, Inc. is the 39th largest of the 40 banks headquartered in West Virginia. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $52.6M, loans rose 4.3% and deposits rose 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 78.0% of total loans, followed by construction and land development loans at 5.6%. The FDIC Summary of Deposits lists a single office for it, in Morgantown, WV. On its Q2 2026 call report, Citizens Bank of Morgantown, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 265 High St, Morgantown, WV 26505
- County
- Monongalia
- Metro Area
- Morgantown, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 20, 1979
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $42.5M
- Allowance for credit losses
- $781K
- Net charge-offs (YTD)
- $0
- Average total assets
- $51.8M
- Average total loans
- $38.9M
- Average interest-bearing deposits
- $33.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 20, 1979
- FDIC Cert
- 22954
- Fed RSSD
- 897237
- Website
- www.citizensbankwv.com →
- Parent Holding Company
- MORGANTOWN BANCSHARES, INC. (RSSD 2638582)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank of Morgantown, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Citizens Bank of Morgantown, Inc.'s total assets moved between a low of $50.0M (Q1 2024) and a high of $52.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$52.6M total assets against $51.2M; $43.3M total liabilities against $42.8M.
$39.0M net loans and leases against $36.3M; $42.5M total deposits against $42.3M.
$9.9M securities against $10.5M; $1.4M cash and balances due against $2.2M.
$737K total interest income against $703K; $127K total interest expense against $150K.
$610K net interest income against $553K.
$36K total noninterest income against $19K; $417K total noninterest expense against $437K.
$5K provision for credit losses against $5K.
$176K net income against $103K.
1.36% return on assets against 0.81%; 4.93% net interest margin against 4.56%.
18.79% tier 1 leverage ratio against 17.99%.
Inside the full Citizens Bank of Morgantown, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q3 2024) to 1.45% (Q4 2025) and its net interest margin ran from 4.06% (Q3 2024) to 4.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.79% | 1.36% | 0.09% | 0.37% | 4.93% |
| Q1 2026 | 18.61% | 0.91% | 0.37% | 1.42% | 4.75% |
| Q4 2025 | 18.42% | 1.45% | 0.60% | 2.34% | 4.90% |
| Q3 2025 | 17.94% | 0.92% | 0.82% | 3.29% | 4.79% |
| Q2 2025 | 17.99% | 0.81% | 0.59% | 2.39% | 4.56% |
| Q1 2025 | 18.14% | 1.05% | 0.31% | 1.28% | 4.35% |
| Q4 2024 | 17.78% | 1.16% | 0.31% | 4.68% | 4.34% |
| Q3 2024 | 17.70% | 0.70% | 0.80% | 3.46% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Morgantown, Inc. (main office) | Morgantown , WV | 26505 | $42.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WV, rank 61 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank of Morgantown, Inc.
What are Citizens Bank of Morgantown, Inc.'s total assets?
As of the Q2 2026 filing, Citizens Bank of Morgantown, Inc. reported total assets of $52.6 million in its FFIEC call report.
Where is Citizens Bank of Morgantown, Inc. headquartered?
It is headquartered in Morgantown, WV, United States.
When was Citizens Bank of Morgantown, Inc. founded?
It was established in 1979, per the FDIC institution directory.
Is Citizens Bank of Morgantown, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Morgantown, Inc.?
Citizens Bank of Morgantown, Inc.'s primary federal regulator is the FDIC.
How many branches does Citizens Bank of Morgantown, Inc. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Morgantown, Inc.'s Texas Ratio?
Its Texas Ratio is 0.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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