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Profitability · West Virginia

US Banks with Highest Return on Assets (ROA) in West Virginia

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

#1 Return on Assets (ROA): CITIZENS BANK OF WEST VIRGINIA, INC. — 2.05% . Return on Assets (ROA) measures net income divided by average total assets — the single most-watched US banking profitability metric.

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 Go deeper: ROA vs. ROE for Banks: Profitability Ratios Explained
# Bank HQ US Banks with … Total Assets
1 Citizens Bank of West Virginia, INC. Elkins , WV 2.05% $775.1M
2 City National Bank of West Virginia Charleston , WV 1.91% $6.74B
3 Union Bank, Inc. Middlebourne , WV 1.85% $415.1M
4 Citizens Bank of Weston, INC., the Weston , WV 1.58% $299.4M
5 Clear Mountain Bank, INC. Bruceton Mills , WV 1.51% $1.01B
6 Community Bank of Parkersburg Parkersburg , WV 1.41% $325.7M
7 Logan Bank & Trust Company Logan , WV 1.39% $361.5M
8 Bank of Monroe, the Union , WV 1.38% $251.2M
9 Wesbanco Bank, INC. Wheeling , WV 1.36% $27.42B
10 Mountain Valley Bank, N.A. Elkins , WV 1.35% $204.2M
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11 Potomac Bank, INC. Charles Town , WV 1.34% $975.4M
12 Freedom Bank, INC. Philippi , WV 1.32% $420.3M
13 Highlands Bank, INC. Petersburg , WV 1.25% $396.9M
14 Pendleton Community Bank, INC. Franklin , WV 1.23% $825.0M
15 Calhoun County Bank, INC. Grantsville , WV 1.22% $210.3M
16 Clay County Bank, INC. Clay , WV 1.21% $134.6M
17 Bank of Romney, the Romney , WV 1.19% $370.5M
18 Putnam County Bank Hurricane , WV 1.05% $709.8M
19 Hancock County Savings Bank, F.S.B. Chester , WV 1.05% $496.9M
20 West Union Bank West Union , WV 1.03% $303.3M
21 Capon Valley Bank Wardensville , WV 1.00% $239.7M
22 Mvb Bank, INC. Fairmont , WV 0.96% $3.28B
23 Cnb Bank, INC. Berkeley Springs , WV 0.92% $805.2M
24 FNB Bank, INC. Romney , WV 0.89% $271.9M
25 First Exchange Bank White Hall , WV 0.89% $385.2M
26 Jefferson Security Bank Shepherdstown , WV 0.82% $577.6M
27 Poca Valley Bank, INC., the Walton , WV 0.76% $642.8M
28 Mcnb Bank and Trust CO. Welch , WV 0.74% $365.5M
29 Harrison County Bank, the Lost Creek , WV 0.70% $163.8M
30 Bcbank, INC. Philippi , WV 0.65% $233.1M
31 Williamstown Bank, INC. Williamstown , WV 0.65% $236.9M
32 Pioneer Community Bank, INC. Iaeger , WV 0.63% $186.8M
33 Fayette County National Bank of Fayetteville, the Fayetteville , WV 0.54% $157.1M
34 Whitesville State Bank Whitesville , WV 0.51% $135.8M
35 Davis Trust Company Elkins , WV 0.34% $270.2M
36 Guaranty Bank INC. Williamson , WV 0.30% $148.7M
37 First Neighborhood Bank, INC. Spencer , WV 0.25% $160.6M
38 First National Bank of Williamson, the Williamson , WV -0.18% $113.5M
39 Huntington Federal Savings Bank Huntington , WV -0.46% $538.6M

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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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