C
Citizens Bank of Morgantown, Inc.
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
18.79
Return On
Assets
1.13%
Total
Assets
52.59M
Capital
9.25M
Total
Deposits
42.53M
Net
Income
293.00K
My Lists My Alerts
Weiss Ratings Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 1.00
Profitability Index 5.40
Stability Index 4.30
Company Info Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 22954
Phone Number (304) 292-8411
Website www.citizensbankwv.com
Asset Quality Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 2.76%
5-Year Asset Growth 4.60%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.44%
Non-Performing Loans to Capital 1.27%
Non-Performing Loans to Loans 0.58%
Balance Sheet Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 52.59M
Total Deposits 42.53M
Capital and Reserves Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 9.25M
Leverage Ratio 18.79
Loan Loss Reserves to Loans 1.96%
Risk-Based Capital Ratio --
Liquidity Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 19.75%
Liquidity Ratio 24.03%
Profitability Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.82%
Net Income 293.00K
Net Interest Spread 4.84%
Operating Profit to Average Assets 1.46%
Overhead Efficiency Ratio 69.04%
Return on Assets 1.13%
Return on Equity 6.43%