Bank Comparison
Citizens Bank of Morgantown, INC. vs Security National Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 9
winning metrics across 15 comparable rows
Capital adequacy
| Metric | Citizens Bank of Morgantown, INC. | Security National Trust CO. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 18.61% | 84.52% |
| Equity / Assets | 17.49% | 82.81% |
Profitability
| Metric | Citizens Bank of Morgantown, INC. | Security National Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 0.91% | 39.84% |
| Return on Equity (ROE) | 5.17% | 49.65% |
| Net Interest Margin (NIM) | 4.75% | 3.93% |
| Yield on Earning Assets | 5.74% | 3.93% |
| Cost of Funds | 1.16% | 0.00% |
Asset quality
| Metric | Citizens Bank of Morgantown, INC. | Security National Trust CO. |
|---|---|---|
| Texas Ratio | 1.42% | 0.00% |
| Non-Performing Loan Ratio | 0.37% | — |
| Non-Performing Asset Ratio | 0.27% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 2.04% | — |
Balance sheet
| Metric | Citizens Bank of Morgantown, INC. | Security National Trust CO. |
|---|---|---|
| Total Assets | $51,901K | $7,947K |
| Total Deposits | $42,067K | $0 |
| Total Loans | $38,110K | $0 |
| Total Equity | $9,080K | $6,581K |
| Net Income (quarter) | $117 | $771 |
Liquidity & funding
| Metric | Citizens Bank of Morgantown, INC. | Security National Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 90.59% | — |
| Core Deposit Ratio | 89.49% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank of Morgantown, INC. | Security National Trust CO. |
|---|---|---|
| Headquarters City | MORGANTOWN | WHEELING |
| Headquarters State | WV | WV |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 9 | 27 |
| Established | Sept. 20, 1979, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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