The Citizens Bank of Weston, Inc.
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Weston, Inc. is an FDIC-insured commercial bank headquartered in Weston, WV, established in 1891 (FDIC certificate 19674), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $302.7M, up 4.0% from Q2 2025, the 21st largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.91% 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
- 19674
- Headquarters
- Weston, WV
- Established
- 1891
- Total assets, Q2 2026
- $302.7M
- Assets vs Q2 2025
- +4.0%
- Tier 1 leverage ratio, Q2 2026
- 10.91%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 051501451
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Weston, Inc. call report
- Holding company
- CITIZENS BANCSHARES, INC.
- Asset rank in state
- 21st of 40 in West Virginia
Problem loans are rising at The Citizens Bank of Weston, Inc.. Based in Weston, West Virginia, it had $303 million in assets at June 30, 2026, up 4.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.09% of loans from 0.59% a year earlier. It spends about 50 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also shrank its loan book 0.2% over the year, lower than about three-quarters of banks its size (median 5.5%).
Delinquency has appeared in its $38 million non-owner-occupied commercial real estate book: 1.96% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 0.2% and deposits rose 6.2%.
As of June 30, 2026, The Citizens Bank of Weston, Inc. reported a return on assets of 1.64%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 7.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Citizens Bank of Weston, Inc. is the 21st largest of the 40 banks headquartered in West Virginia. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $302.7M, loans rose 0.8% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 17.3%. The FDIC Summary of Deposits lists 2 offices for it, in Weston, WV and Jane Lew, WV; its Weston office books 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Citizens Bank of Weston, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 Main Ave, Weston, WV 26452
- County
- Lewis
- 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
- December 23, 1891
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $267.2M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $289K
- Average total assets
- $302.7M
- Average total loans
- $218.1M
- Average interest-bearing deposits
- $195.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 2, 1967
- FDIC Cert
- 19674
- Fed RSSD
- 639633
- Website
- www.citzensbankweston.com →
- Parent Holding Company
- CITIZENS BANCSHARES, INC. (RSSD 1133969)
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, The Citizens Bank of Weston, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Citizens Bank of Weston, Inc.'s total assets moved between a low of $257.5M (Q3 2023) and a high of $302.7M (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
$302.7M total assets against $291.0M; $270.6M total liabilities against $261.6M.
$214.8M net loans and leases against $215.8M; $267.2M total deposits against $251.5M.
$57.8M securities against $51.5M; $26.4M cash and balances due against $19.8M.
$4.5M total interest income against $4.3M; $1.3M total interest expense against $1.4M.
$3.2M net interest income against $2.9M.
$286K total noninterest income against $325K; $1.8M total noninterest expense against $1.6M.
$111K provision for credit losses against $108K.
$1.2M net income against $1.2M.
1.64% return on assets against 1.65%; 4.32% net interest margin against 4.16%.
10.91% tier 1 leverage ratio against 10.65%.
Inside the full The Citizens Bank of Weston, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens Bank of Weston, Inc. rankings
Its closest position to the top of a national ranking is 793 of 3,606, for efficiency ratio; its furthest is 2,445 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.32% (Q4 2025) to 1.70% (Q3 2025) and its net interest margin ran from 3.76% (Q3 2024) to 4.32% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.91% | 1.64% | 1.09% | 7.26% | 4.32% |
| Q1 2026 | 10.87% | 1.58% | 1.82% | 12.02% | 4.05% |
| Q4 2025 | 10.56% | 1.32% | 0.85% | 5.37% | 4.22% |
| Q3 2025 | 10.61% | 1.70% | 0.70% | 4.78% | 4.15% |
| Q2 2025 | 10.65% | 1.65% | 0.59% | 4.22% | 4.16% |
| Q1 2025 | 10.73% | 1.41% | 0.44% | 3.08% | 3.97% |
| Q4 2024 | 10.38% | 1.59% | 0.42% | 3.00% | 4.00% |
| Q3 2024 | 10.39% | 1.36% | 0.82% | 5.73% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| The Citizens Bank of Weston | Weston , WV | 26452 | $211.2M |
| Jane Lew Branch | Jane Lew , WV | 26378 | $55.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in WV, rank 32 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $1.4M approved, $203K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Citizens Bank of Weston, Inc.
What are The Citizens Bank of Weston, Inc.'s total assets?
As of the Q2 2026 filing, The Citizens Bank of Weston, Inc. reported total assets of $302.7 million in its FFIEC call report.
Where is The Citizens Bank of Weston, Inc. headquartered?
It is headquartered in Weston, WV, United States.
When was The Citizens Bank of Weston, Inc. founded?
It was established in 1891, per the FDIC institution directory.
Is The Citizens Bank of Weston, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank of Weston, Inc.?
The Citizens Bank of Weston, Inc.'s primary federal regulator is the FDIC.
How many branches does The Citizens Bank of Weston, Inc. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Weston, Inc.'s Texas Ratio?
Its Texas Ratio is 7.26% 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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