Bank call report · Morgantown, WV
Citizens Bank of Morgantown, Inc. Call Report
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Citizens Bank of Morgantown, Inc. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 209 reported line items, schedule by schedule (461 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 897237 |
| FDIC certificate number | 22954 |
| Total assets | $52.6M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank of Morgantown, Inc. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Citizens Bank of Morgantown, Inc. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $52.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $52.6M |
| Total Liabilities and Minority Interest | RCON2948 | $43.3M |
| Total Deposits | RCON2200 | $42.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $39.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $39.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $33.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $9.9M |
| Total Equity Capital | RCON3210 | $9.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $9.2M |
| Deposits: Noninterest-bearing | RCON6631 | $8.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $8.6M |
| Other Assets | RCON2160 | $1.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.2M |
| Surplus | RCON3839 | $1.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $781K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $672K |
| Other Liabilities, Total | RCON2930 | $619K |
| Accumulated Other Comprehensive Income | RCONB530 | -$490K |
| Interest-bearing Balances | RCON0071 | $238K |
| Other Borrowed Money | RCON3190 | $200K |
| Common Stock | RCON3230 | $60K |
Schedule RI: Income Statement (36 items)
About Schedule RI · Citizens Bank of Morgantown, Inc. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.3M |
| Net Interest Income | RIAD4074 | $1.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.1M |
| Total Noninterest Expense | RIAD4093 | $863K |
| Salaries and Employee Benefits | RIAD4135 | $512K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $377K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $377K |
| Other Noninterest Expense | RIAD4092 | $347K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $293K |
| Net Income (Loss) | RIAD4340 | $293K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $293K |
| Total Interest Expense | RIAD4073 | $249K |
| Interest on Other Securities | RIAD4060 | $125K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $125K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $115K |
| Applicable Income Taxes | RIAD4302 | $84K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $64K |
| Total Noninterest Income | RIAD4079 | $58K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $57K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $52K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $45K |
| Other Noninterest Income | RIADB497 | $42K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $38K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $16K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $16K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $12K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $11K |
| Provision for Loan and Lease Losses | RIAD4230 | $10K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $10K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $7K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $5K |
| Other Interest Expense | RIADGW44 | $5K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $4K |
| Other Interest Income | RIAD4518 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 10 |
Schedule RC-B: Securities (15 items)
About Schedule RC-B · Citizens Bank of Morgantown, Inc. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $682K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $659K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $10.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $9.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $8.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $6.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.1M |
| Pledged Securities | RCON0416 | $998K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $762K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $762K |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $490K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $469K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $404K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $255K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Citizens Bank of Morgantown, Inc. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $39.8M |
| Pledged Loans and Leases | RCONG378 | $28.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $27.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $25.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $7.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $6.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $5.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $3.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $2.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $2.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $1.7M |
| Commercial and Industrial Loans | RCON1766 | $1.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $1.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $934K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $855K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $852K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $748K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $723K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $710K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $405K |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $330K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $194K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $194K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $1.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $343K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $267K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $130K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 45 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 6 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 2 |
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · Citizens Bank of Morgantown, Inc. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $28.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $28.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $14.3M |
| Total Transaction Accounts | RCON2215 | $13.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $11.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $8.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $5.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $5.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $4.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $4.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $3.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $3.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $2.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $2.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $1.2M |
| Brokered Deposits of More Than $250,000 with a Remaining Maturity of One Year or Less | RCONK220 | $1.0M |
| Total Brokered Deposits | RCON2365 | $1.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $849K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $487K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $370K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $356K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $290K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $168K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $8K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (4 items)
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Citizens Bank of Morgantown, Inc. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $51.8M |
| Quarterly Average of Total Loans | RCON3360 | $38.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $31.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $18.2M |
| All Other Securities | RCONB560 | $9.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $5.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $5.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $4.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $3.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.6M |
| Mortgage-backed Securities | RCONB559 | $691K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $518K |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $490K |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $261K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Citizens Bank of Morgantown, Inc. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.4M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $1.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $1.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $453K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $176K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Citizens Bank of Morgantown, Inc. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $661K |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $200K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $200K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (4 items)
About Schedule RC-N · Citizens Bank of Morgantown, Inc. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $118K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $118K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $37K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $37K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Citizens Bank of Morgantown, Inc. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $51.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $42.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $25.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $16.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $9.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $849K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,600 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 39 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 36 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · Citizens Bank of Morgantown, Inc. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $52.6M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $51.8M |
| Average total consolidated assets | RCOAKW03 | $51.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $9.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $9.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $9.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $9.2M |
| Retained Earnings | RCOAKW00 | $8.6M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $5.7M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $4.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.1M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $1.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$538K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$490K |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $48K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1879 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1077 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $9.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $9.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $9.0M |
| Other Comprehensive Income | RIADB511 | -$48K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $28K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · Citizens Bank of Morgantown, Inc. changes in allowances for credit losses trends
Citizens Bank of Morgantown, Inc. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Citizens Bank of Morgantown, Inc. call report?
The Citizens Bank of Morgantown, Inc. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Citizens Bank of Morgantown, Inc. file?
Citizens Bank of Morgantown, Inc. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Citizens Bank of Morgantown, Inc. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Citizens Bank of Morgantown, Inc. has Federal Reserve RSSD ID 897237 and FDIC certificate number 22954. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank of Morgantown, Inc. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Citizens Bank of Morgantown, Inc. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 22954) · FFIEC NIC profile (RSSD 897237)