Citizens Bank of Morgantown, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 216.19 percentage points lower than in Q1 2026, at 338.10%. Within West Virginia, Citizens Bank of Morgantown, Inc. is 13th of 41 on return on assets, 1.36% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Citizens Bank of Morgantown, Inc. sits 0.37 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.79% |
| Equity capital to assets | 17.58% |
| Tangible equity to tangible assets | 17.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.30% |
| Allowance for credit losses to loans | 1.96% |
| Reserve coverage of non-performing loans | 338.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 7.68% |
| Net interest margin | 4.93% |
| Efficiency ratio | 64.00% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.48% |
| Core deposits to total deposits | 89.16% |
| Brokered deposits to total deposits | 2.36% |
| Deposits to assets | 80.86% |
| Securities to assets | 18.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.11% | 0.40% | 3.50% | 0.69% | 0.00% |
| Q4 2023 | 16.94% | 0.82% | 3.43% | 0.82% | 0.00% |
| Q1 2024 | 17.46% | 0.33% | 3.46% | 1.08% | 0.00% |
| Q2 2024 | 17.58% | 0.59% | 3.83% | 1.06% | -0.01% |
| Q3 2024 | 17.70% | 0.70% | 4.06% | 0.80% | 0.07% |
| Q4 2024 | 17.78% | 1.16% | 4.34% | 0.31% | 0.08% |
| Q1 2025 | 18.14% | 1.05% | 4.35% | 0.31% | 0.00% |
| Q2 2025 | 17.99% | 0.81% | 4.56% | 0.59% | 0.00% |
| Q3 2025 | 17.94% | 0.92% | 4.79% | 0.82% | 0.00% |
| Q4 2025 | 18.42% | 1.45% | 4.90% | 0.61% | 0.00% |
| Q1 2026 | 18.61% | 0.91% | 4.75% | 0.37% | 0.00% |
| Q2 2026 | 18.79% | 1.36% | 4.93% | 0.58% | 0.00% |
Citizens Bank of Morgantown, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Morgantown, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank of Morgantown, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22954) · FFIEC NIC profile (RSSD 897237)