C
Citizens Bank of Morgantown, Inc.
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
18.42
Return On
Assets
1.06%
Total
Assets
51.56M
Capital
9.03M
Total
Deposits
41.79M
Net
Income
541.00K
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Weiss Ratings Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Rating C
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 1.20
Profitability Index 5.40
Stability Index 4.30
Company Info Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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FDIC Number 22954
Phone Number (304) 292-8411
Website www.citizensbankwv.com
Asset Quality Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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1-Year Asset Growth 3.03%
5-Year Asset Growth 4.60%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 2.26%
Non-Performing Loans to Loans 0.61%
Balance Sheet Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Total Assets 51.56M
Total Deposits 41.79M
Capital and Reserves Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Capital 9.03M
Leverage Ratio 18.42
Loan Loss Reserves to Loans 2.01%
Risk-Based Capital Ratio --
Liquidity Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Hot Money Ratio 19.10%
Liquidity Ratio 24.75%
Profitability Citizens Bank of Morgantown, Inc.
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5-Year Return on Average Assets 0.75%
Net Income 541.00K
Net Interest Spread 4.65%
Operating Profit to Average Assets 1.35%
Overhead Efficiency Ratio 70.72%
Return on Assets 1.06%
Return on Equity 6.44%