Financial strength ranking · West Virginia · Call Report data as of Q2 2026

Best Banks in West Virginia by Financial Strength

Logan Bank & Trust Company ranks first among the 35 banks headquartered in West Virginia we score, with a financial strength score of 78.2 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Logan Bank & Trust Company
Its score: 78.2 of 100
Banks scored in West Virginia: 35
Its return on assets: 3.08%

Every scored bank in West Virginia

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in West Virginia ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Logan Bank & Trust Company Logan	78.2	3.08%	38.59%	11.73%	0.23%	$359.2M
2	Clear Mountain Bank, Inc. Bruceton Mills	68.6	1.75%	56.18%	13.08%	0.23%	$1.03B
3	City National Bank of West Virginia Charleston	65.0	1.96%	46.81%	9.65%	0.16%	$6.76B
4	The Bank of Monroe Union	64.7	1.36%	55.61%	13.22%	0.21%	$255.4M
5	Clay County Bank, Inc. Clay	63.0	1.30%	62.13%	14.80%	0.13%	$135.9M
6	Freedom Bank, Inc. Philippi	61.8	1.64%	56.20%	11.40%	0.27%	$429.7M
7	Mountain Valley Bank, N.A. Elkins	61.7	1.43%	60.22%	13.65%	0.26%	$201.9M
8	Citizens Bank of West Virginia, Inc. Elkins	61.3	1.91%	42.98%	10.00%	0.49%	$772.5M
9	Putnam County Bank Hurricane	60.2	0.90%	56.59%	12.32%	0.02%	$704.2M
10	The Bank of Romney Romney	59.5	1.50%	53.84%	15.97%	1.26%	$368.8M
11	The Citizens Bank of Weston, Inc. Weston	56.1	1.64%	50.32%	10.91%	0.84%	$302.7M
12	Potomac Bank, Inc. Charles Town	54.1	1.39%	59.69%	9.85%	0.06%	$980.2M
13	WesBanco Bank, Inc. Wheeling	53.0	1.41%	48.48%	10.25%	0.61%	$27.75B
14	Calhoun County Bank, Inc. Grantsville	52.8	1.51%	57.30%	10.48%	0.40%	$211.7M
15	CNB Bank, Inc. Berkeley Springs	48.0	1.18%	60.70%	9.50%	0.06%	$805.7M
16	The Fayette County National Bank of Fayetteville Fayetteville	47.4	1.13%	59.07%	9.05%	0.04%	$158.1M
17	Jefferson Security Bank Shepherdstown	46.8	1.17%	60.03%	8.39%	0.01%	$566.1M
18	Hancock County Savings Bank, F.S.B. Chester	46.7	0.89%	66.82%	18.37%	0.64%	$508.0M
19	Pioneer Community Bank, Inc. Iaeger	46.0	0.90%	69.37%	13.58%	0.35%	$191.1M
20	West Union Bank West Union	45.1	0.98%	56.19%	8.74%	0.07%	$300.3M
21	Highlands Bank, Inc. Petersburg	44.8	1.32%	62.16%	11.00%	0.75%	$407.1M
22	FNB Bank, Inc. Romney	41.9	1.09%	66.34%	10.60%	0.34%	$277.9M
23	Community Bank of Parkersburg Parkersburg	40.8	1.34%	70.02%	9.90%	0.32%	$340.3M
24	Huntington Federal Savings Bank Huntington	38.0	-0.31%	127.41%	15.07%	0.20%	$532.3M
25	The Harrison County Bank Lost Creek	37.8	0.81%	68.06%	10.21%	0.21%	$164.9M
26	Capon Valley Bank Wardensville	33.9	1.31%	64.97%	9.67%	1.04%	$244.2M
27	Pendleton Community Bank, Inc. Franklin	33.4	1.22%	61.36%	8.67%	0.72%	$849.7M
28	MCNB Bank and Trust Co. Welch	32.3	0.99%	71.80%	12.29%	2.38%	$356.5M
29	Williamstown Bank, Inc. Williamstown	28.6	0.56%	80.27%	10.14%	0.30%	$236.7M
30	The First National Bank of Williamson Williamson	26.6	-0.58%	116.24%	20.13%	1.91%	$120.3M
31	Guaranty Bank Inc. Williamson	24.3	0.24%	92.91%	13.62%	1.96%	$152.4M
32	Whitesville State Bank Whitesville	23.3	0.55%	85.03%	9.96%	0.49%	$137.6M
33	The Poca Valley Bank, Inc. Walton	20.2	0.68%	80.15%	7.78%	0.37%	$666.2M
34	First Exchange Bank White Hall	20.1	0.96%	69.86%	8.96%	1.58%	$391.1M
35	Davis Trust Company Elkins	20.1	0.79%	70.78%	8.47%	0.80%	$274.9M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in West Virginia?

By our financial strength score, Logan Bank & Trust Company of Logan ranks first among the 35 scored banks headquartered in West Virginia, scoring 78.2 out of 100 for Q2 2026: return on assets of 3.08%, an efficiency ratio of 38.59%, a Tier 1 leverage ratio of 11.73% and nonperforming assets of 0.23% of total assets. Clear Mountain Bank, Inc. and City National Bank of West Virginia rank second and third.

How are the best banks in West Virginia ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in West Virginia

Largest banks in West Virginia Bank deposits in West Virginia Largest credit unions in West Virginia Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.