MCNB Bank and Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
MCNB Bank and Trust Co. is an FDIC-insured commercial bank headquartered in Welch, WV, established in 1900 (FDIC certificate 6803), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $356.5M, down 0.8% from Q2 2025, the 19th largest of 40 banks headquartered in West Virginia. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.29% 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
- 6803
- Headquarters
- Welch, WV
- Established
- 1900
- Total assets, Q2 2026
- $356.5M
- Assets vs Q2 2025
- -0.8%
- Tier 1 leverage ratio, Q2 2026
- 12.29%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 051501723
- Latest call report
- Q2 2026, FFIEC 051 · MCNB Bank and Trust Co. call report
- Holding company
- MCNB BANKS, INC.
- Asset rank in state
- 19th of 40 in West Virginia
Problem loans are rising at MCNB Bank and Trust Co.. Its balance sheet stood at $357 million at June 30, 2026; it is based in Welch, West Virginia. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.22% of loans from 0.11% a year earlier. It holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 19.1% of the capital and reserves that would absorb them, 7.2 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $908,000, 56% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($113 million) is worsening: 6.55% of it is past due or on nonaccrual, up from 0.17% a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, MCNB Bank and Trust Co. reported a return on assets of 0.99%, a nonperforming-loan ratio of 3.22% and a Texas ratio of 19.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, MCNB Bank and Trust Co. is the 19th largest of the 40 banks headquartered in West Virginia. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.5% to $356.5M, loans fell 1.4% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 44.6% of total loans, ahead of 1-4 family residential loans at 32.4%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Welch 2 offices book 44% of its branch deposits. On its Q2 2026 call report, MCNB Bank and Trust Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 75 Wyoming St, Welch, WV 24801
- County
- Mcdowell
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1900
- Former names
- MCNB Bank, National Association (2001-2003)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $292.2M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $23K
- Average total assets
- $366.6M
- Average total loans
- $258.0M
- Average interest-bearing deposits
- $258.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6803
- Fed RSSD
- 20633
- Website
- www.mcnbbanks.com →
- Parent Holding Company
- MCNB BANKS, INC. (RSSD 2913083)
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, MCNB Bank and Trust Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
MCNB Bank and Trust Co.'s total assets moved between a low of $356.5M (Q2 2026) and a high of $366.3M (Q2 2024) 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
$356.5M total assets against $359.5M; $314.5M total liabilities against $321.0M.
$251.6M net loans and leases against $256.9M; $292.2M total deposits against $303.9M.
$78.8M securities against $72.0M; $6.6M cash and balances due against $10.9M.
$4.5M total interest income against $4.6M; $1.6M total interest expense against $1.8M.
$3.0M net interest income against $2.8M.
$758K total noninterest income against $601K; $2.7M total noninterest expense against $2.6M.
-$120K provision for credit losses against $66K.
$908K net income against $581K.
0.99% return on assets against 0.64%; 3.46% net interest margin against 3.25%.
12.29% tier 1 leverage ratio against 11.79%.
Inside the full MCNB Bank and Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
MCNB Bank and Trust Co. rankings
Its closest position to the top of a national ranking is 192 of 3,640, for Texas Ratio; its furthest is 2,866 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.21% (Q4 2024) to 0.99% (Q2 2026) and its net interest margin ran from 2.61% (Q3 2024) to 3.53% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.29% | 0.99% | 3.22% | 19.05% | 3.46% |
| Q1 2026 | 12.18% | 0.74% | 1.10% | 7.22% | 3.48% |
| Q4 2025 | 12.10% | 0.76% | 1.33% | 8.42% | 3.53% |
| Q3 2025 | 11.96% | 0.61% | 0.19% | 2.10% | 3.31% |
| Q2 2025 | 11.79% | 0.64% | 0.11% | 1.80% | 3.25% |
| Q1 2025 | 11.60% | 0.44% | 0.10% | 1.78% | 2.97% |
| Q4 2024 | 11.54% | 0.21% | 0.07% | 1.60% | 2.70% |
| Q3 2024 | 11.61% | 0.24% | 0.10% | 1.80% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| MCNB Bank and Trust Co. (main office) | Welch , WV | 24801 | $128.3M |
| South Walker Street Branch | Princeton , WV | 24740 | $68.1M |
| Mccullough Drive Branch | Beckley , WV | 25801 | $51.3M |
| Ritter Drive Branch | Daniels , WV | 25832 | $25.7M |
| Richlands Branch | Richlands , VA | 24641 | $10.4M |
| E. Cumberland Branch | Bluefield , WV | 24701 | $8.5M |
| Drive-In Facility | Welch , WV | 24801 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in WV, rank 31 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 45 applications, 35 loans originated, $10.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 MCNB Bank and Trust Co.
What are MCNB Bank and Trust Co.'s total assets?
As of the Q2 2026 filing, MCNB Bank and Trust Co. reported total assets of $356.5 million in its FFIEC call report.
Where is MCNB Bank and Trust Co. headquartered?
It is headquartered in Welch, WV, United States.
When was MCNB Bank and Trust Co. founded?
It was established in 1900, per the FDIC institution directory.
Is MCNB Bank and Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates MCNB Bank and Trust Co.?
MCNB Bank and Trust Co.'s primary federal regulator is the FDIC.
How many branches does MCNB Bank and Trust Co. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is MCNB Bank and Trust Co.'s Texas Ratio?
Its Texas Ratio is 19.05% 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.
What was MCNB Bank and Trust Co. previously called?
The charter now named MCNB Bank and Trust Co. has also operated as MCNB Bank, National Association (2001-2003), per FDIC structure-change records.
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