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Capital · West Virginia

US Banks with Highest Tier 1 Leverage Ratio in West Virginia

Ranked among banks headquartered in West Virginia. Re-ranked 1-39 within the state from the same national ranking population.

#1 Tier 1 Leverage Ratio: FIRST NATIONAL BANK OF WILLIAMSON, THE — 20.21% . The Tier 1 Leverage Ratio measures Tier 1 capital against unweighted average assets — a simpler backstop that prevents banks from gaming the risk-based capital rules.

Ranked: 39 banks with reported data Showing: Top 39 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry
# Bank HQ US Banks with … Total Assets
1 First National Bank of Williamson, the Williamson , WV 20.21% $113.5M
2 Hancock County Savings Bank, F.S.B. Chester , WV 18.69% $496.9M
3 Bank of Romney, the Romney , WV 15.91% $370.5M
4 Huntington Federal Savings Bank Huntington , WV 14.96% $538.6M
5 Clay County Bank, INC. Clay , WV 14.74% $134.6M
6 Pioneer Community Bank, INC. Iaeger , WV 13.93% $186.8M
7 Guaranty Bank INC. Williamson , WV 13.76% $148.7M
8 Clear Mountain Bank, INC. Bruceton Mills , WV 13.60% $1.01B
9 Mountain Valley Bank, N.A. Elkins , WV 13.54% $204.2M
10 Bank of Monroe, the Union , WV 13.04% $251.2M
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11 Putnam County Bank Hurricane , WV 12.82% $709.8M
12 Mcnb Bank and Trust CO. Welch , WV 12.18% $365.5M
13 Freedom Bank, INC. Philippi , WV 11.37% $420.3M
14 Bcbank, INC. Philippi , WV 11.08% $233.1M
15 Highlands Bank, INC. Petersburg , WV 11.07% $396.9M
16 Logan Bank & Trust Company Logan , WV 11.06% $361.5M
17 Citizens Bank of Weston, INC., the Weston , WV 10.87% $299.4M
18 Harrison County Bank, the Lost Creek , WV 10.52% $163.8M
19 FNB Bank, INC. Romney , WV 10.49% $271.9M
20 Calhoun County Bank, INC. Grantsville , WV 10.48% $210.3M
21 First Neighborhood Bank, INC. Spencer , WV 10.41% $160.6M
22 Williamstown Bank, INC. Williamstown , WV 10.36% $236.9M
23 Citizens Bank of West Virginia, INC. Elkins , WV 10.32% $775.1M
24 Mvb Bank, INC. Fairmont , WV 10.15% $3.28B
25 Wesbanco Bank, INC. Wheeling , WV 10.10% $27.42B
26 Potomac Bank, INC. Charles Town , WV 10.02% $975.4M
27 Whitesville State Bank Whitesville , WV 9.87% $135.8M
28 Community Bank of Parkersburg Parkersburg , WV 9.82% $325.7M
29 Capon Valley Bank Wardensville , WV 9.69% $239.7M
30 Cnb Bank, INC. Berkeley Springs , WV 9.40% $805.2M
31 City National Bank of West Virginia Charleston , WV 9.23% $6.74B
32 Fayette County National Bank of Fayetteville, the Fayetteville , WV 9.09% $157.1M
33 First Exchange Bank White Hall , WV 9.05% $385.2M
34 Union Bank, Inc. Middlebourne , WV 9.03% $415.1M
35 Pendleton Community Bank, INC. Franklin , WV 8.62% $825.0M
36 West Union Bank West Union , WV 8.50% $303.3M
37 Davis Trust Company Elkins , WV 8.34% $270.2M
38 Jefferson Security Bank Shepherdstown , WV 8.12% $577.6M
39 Poca Valley Bank, INC., the Walton , WV 7.79% $642.8M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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