MCNB Bank and Trust Co.: 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: 60.22 percentage points lower than in Q1 2026, at 31.54%. MCNB Bank and Trust Co. ranks 25th of 41 West Virginia banks on return on assets, in the lower half at 0.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. MCNB Bank and Trust Co. sits 0.26 points lower, at 0.99% (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 | 12.29% |
| Equity capital to assets | 11.78% |
| Tangible equity to tangible assets | 11.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.28% |
| Non-performing assets ratio | 2.43% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 20.00% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 31.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 8.76% |
| Net interest margin | 3.46% |
| Efficiency ratio | 71.80% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.99% |
| Core deposits to total deposits | 90.13% |
| Brokered deposits to total deposits | 1.72% |
| Deposits to assets | 81.97% |
| Securities to assets | 22.10% |
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 | 11.69% | 0.37% | 2.69% | 0.49% | 0.00% |
| Q4 2023 | 11.62% | 0.26% | 2.60% | 0.48% | -0.00% |
| Q1 2024 | 11.61% | 0.41% | 2.64% | 0.49% | 0.03% |
| Q2 2024 | 11.66% | 0.33% | 2.63% | 0.39% | 0.19% |
| Q3 2024 | 11.61% | 0.24% | 2.61% | 0.27% | 0.20% |
| Q4 2024 | 11.54% | 0.21% | 2.70% | 0.27% | 0.00% |
| Q1 2025 | 11.60% | 0.44% | 2.97% | 0.23% | 0.02% |
| Q2 2025 | 11.79% | 0.64% | 3.25% | 1.16% | 0.00% |
| Q3 2025 | 11.96% | 0.61% | 3.31% | 1.19% | 0.00% |
| Q4 2025 | 12.10% | 0.76% | 3.53% | 1.21% | 0.00% |
| Q1 2026 | 12.18% | 0.74% | 3.48% | 1.15% | 0.03% |
| Q2 2026 | 12.29% | 0.99% | 3.46% | 3.28% | 0.01% |
MCNB Bank and Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock MCNB Bank and Trust Co., 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 MCNB Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6803) · FFIEC NIC profile (RSSD 20633)