Bank call report · Elkins, WV
Citizens Bank of West Virginia, Inc. Call Report
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Citizens Bank of West Virginia, Inc. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 297 reported line items, schedule by schedule (398 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 | 481627 |
| FDIC certificate number | 6760 |
| Total assets | $772.5M |
Official Q2 2026 call report PDF (FFIEC) →
Citizens Bank of West Virginia, 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 (27 items)
About Schedule RC · Citizens Bank of West Virginia, Inc. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $772.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $772.5M |
| Total Liabilities and Minority Interest | RCON2948 | $693.5M |
| Total Deposits | RCON2200 | $678.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $610.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $604.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $538.2M |
| Deposits: Noninterest-bearing | RCON6631 | $140.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $101.1M |
| Total Equity Capital | RCON3210 | $79.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $79.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $61.7M |
| Other Assets | RCON2160 | $24.3M |
| Surplus | RCON3839 | $18.1M |
| Interest-bearing Balances | RCON0071 | $13.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $12.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $9.9M |
| Other Borrowed Money | RCON3190 | $9.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.3M |
| Intangible Assets | RCON2143 | $5.9M |
| Other Liabilities, Total | RCON2930 | $4.3M |
| Goodwill | RCON3163 | $2.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.3M |
| Common Stock | RCON3230 | $1.5M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $1.2M |
| Other Real Estate Owned | RCON2150 | $255K |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $105K |
Schedule RI: Income Statement (46 items)
About Schedule RI · Citizens Bank of West Virginia, Inc. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $21.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $19.1M |
| Net Interest Income | RIAD4074 | $15.5M |
| 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 | $9.8M |
| Total Noninterest Expense | RIAD4093 | $9.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $8.9M |
| 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 | $8.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $7.3M |
| Net Income (Loss) | RIAD4340 | $7.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $7.3M |
| Total Interest Expense | RIAD4073 | $5.8M |
| Salaries and Employee Benefits | RIAD4135 | $5.0M |
| Total Noninterest Income | RIAD4079 | $4.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3.4M |
| Other Noninterest Expense | RIAD4092 | $3.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.3M |
| Other Noninterest Income | RIADB497 | $3.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.7M |
| Applicable Income Taxes | RIAD4302 | $1.6M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.6M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.6M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $864K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $861K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $860K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $792K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $733K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $631K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $614K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $494K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $489K |
| Other Interest Income | RIAD4518 | $249K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $222K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $125K |
| Other Interest Expense | RIADGW44 | $107K |
| Noninterest income: Income from insurance activities | RIADHT74 | $104K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $79K |
| Interest on Other Securities | RIAD4060 | $68K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $43K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $31K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$8K |
| Net Servicing Fees | RIADB492 | $5K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 112 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Citizens Bank of West Virginia, Inc. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $102.4M |
| Pledged Securities | RCON0416 | $64.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $61.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $60.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $26.7M |
| 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 | $26.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $25.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $25.1M |
| 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 | $25.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $20.7M |
| 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 | $12.1M |
| 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 | $11.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $10.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $9.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $4.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $4.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $4.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $815K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $766K |
| 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 of Over Ffteen Years | RCONA554 | $504K |
| 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 Three Months of Less | RCONA549 | $298K |
| Mortgage Pass-through Securities 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 | RCONA557 | $7K |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · Citizens Bank of West Virginia, Inc. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $610.8M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $257.0M |
| Pledged Loans and Leases | RCONG378 | $228.2M |
| 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 | $204.9M |
| 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 | $127.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $87.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $80.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $76.4M |
| 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 | $71.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $55.6M |
| Commercial and Industrial Loans | RCON1766 | $47.3M |
| 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 | $45.6M |
| 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 | $44.4M |
| 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 | $40.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $36.5M |
| 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 Three Months Through 12 Months | RCONA571 | $30.1M |
| 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 Months Through 12 Months | RCONA565 | $21.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $15.2M |
| 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 | $8.4M |
| Other Loans | RCONJ464 | $7.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $7.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $6.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $6.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $6.1M |
| 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 Five Years Through 15 Years | RCONA568 | $5.9M |
| 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 | $3.8M |
| 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 | $2.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.1M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $864K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $641K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $87K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $58K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $21K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 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 | $34.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $16.8M |
| 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 | $15.5M |
| 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 | $8.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $5.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $447K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $422K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $217K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $21K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 209 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 113 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 112 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 101 |
| 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 | 71 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 49 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 3 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Citizens Bank of West Virginia, Inc. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $343.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $334.9M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $334.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $308.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $280.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $133.1M |
| Total reciprocal deposits | RCONJH83 | $118.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $102.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $72.9M |
| 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 | $70.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $67.0M |
| 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 | $62.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $57.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $52.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $51.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $39.7M |
| 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 | $35.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $25.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $20.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $20.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $20.4M |
| Total Brokered Deposits | RCON2365 | $20.4M |
| 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 | $16.6M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $5.7M |
| 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 | $5.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.9M |
| 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 | $1.8M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $977K |
| 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 | $653K |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $493K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $12.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.4M |
| Accrued Interest Receivable | RCONB556 | $2.8M |
| Net Deferred Tax Assets | RCON2148 | $2.6M |
| Other Assets | RCON2168 | $995K |
| Prepaid Expenses | RCON2166 | $649K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.0M |
| Deferred Compensation Liabilities | RCONC011 | $1.6M |
| Other Expenses Accrued and Unpaid | RCON3646 | $676K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $659K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $53K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Citizens Bank of West Virginia, Inc. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $767.7M |
| Quarterly Average of Total Loans | RCON3360 | $589.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $291.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $198.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $143.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $141.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $105.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $103.6M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $75.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $51.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $47.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $31.1M |
| Mortgage-backed Securities | RCONB559 | $23.4M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $5.4M |
| All Other Securities | RCONB560 | $4.8M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $482K |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $22K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Citizens Bank of West Virginia, Inc. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $45.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $12.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $11.9M |
| Year-to-date Merchant Credit Card Sales Volume:sales for Which the Reporting Bank Is the Agent Bank with Risk | RCONC224 | $11.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $8.6M |
| Performance Standby Letters of Credit | RCON3821 | $6.7M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $1.9M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $1.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $610K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $5K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Citizens Bank of West Virginia, 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 | $16.6M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $4.7M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $4.7M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $4.5M |
| All other intangible assets | RCONJF76 | $3.1M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $255K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Citizens Bank of West Virginia, Inc. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Additions to Nonaccrual Assets | RCONC410 | $5.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.1M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $3.5M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $2.4M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $1.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $666K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $631K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $631K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $522K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $431K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $336K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $166K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $155K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $125K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $7K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Citizens Bank of West Virginia, Inc. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $767.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $679.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $468.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $189.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $74.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $17.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.8M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 21,768 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 678 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 308 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Citizens Bank of West Virginia, Inc. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $772.5M |
| Average total consolidated assets | RCOAKW03 | $767.7M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $762.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $79.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $76.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $76.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $76.2M |
| 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 | $62.7M |
| Retained Earnings | RCOAKW00 | $61.7M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $49.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $19.6M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $12.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $5.1M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $2.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.3M |
| 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 | -$1.4M |
| 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 | -$958K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $462K |
| 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 | 0.1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0812 |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $353K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $79.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $73.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $73.0M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.1M |
| Other Comprehensive Income | RIADB511 | -$224K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Citizens Bank of West Virginia, Inc. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.5M |
| Charge-offs on Automobile Loans | RIADK129 | $629K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $603K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $380K |
| Recoveries on Automobile Loans | RIADK133 | $263K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $248K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $103K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $18K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $12K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Citizens Bank of West Virginia, Inc. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $5.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.5M |
| Adjustments | RIADC233 | $145K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Initial allowances for credit losses recognized upon the acquisition of purchased credit deterioriated assets on or after the effective date of ASU 2016-13 | RIADJJ27 | $145K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $121.1M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $32K |
Citizens Bank of West Virginia, 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 West Virginia, Inc. call report?
The Citizens Bank of West Virginia, 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 West Virginia, Inc. file?
Citizens Bank of West Virginia, 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 West Virginia, 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 West Virginia, Inc. has Federal Reserve RSSD ID 481627 and FDIC certificate number 6760. Either one finds its filings on the FFIEC Central Data Repository.
How often does Citizens Bank of West Virginia, 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 West Virginia, 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 6760) · FFIEC NIC profile (RSSD 481627)