C
Citizens Bank of Morgantown, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
17.94
Return On
Assets
0.92%
Total
Assets
52.15M
Capital
8.56M
Total
Deposits
43.17M
Net
Income
354.00K
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Weiss Ratings Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Rating C
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 1.90
Profitability Index 4.80
Stability Index 7.50
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 2.53%
5-Year Asset Growth 6.42%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.59%
Non-Performing Loans to Capital 3.05%
Non-Performing Loans to Loans 0.82%
Balance Sheet Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Total Assets 52.15M
Total Deposits 43.17M
Capital and Reserves Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Capital 8.56M
Leverage Ratio 17.94
Loan Loss Reserves to Loans 2.05%
Risk-Based Capital Ratio --
Liquidity Citizens Bank of Morgantown, Inc.
Morgantown, WV 		Click to
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Hot Money Ratio 20.84%
Liquidity Ratio 28.73%
Profitability Citizens Bank of Morgantown, Inc.
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5-Year Return on Average Assets 0.75%
Net Income 354.00K
Net Interest Spread 4.57%
Operating Profit to Average Assets 1.18%
Overhead Efficiency Ratio 74.16%
Return on Assets 0.92%
Return on Equity 5.70%