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Citizens Bank Of Morgantown, Inc.
Morgantown, WV · FDIC Certificate #22954 · Chartered 09/2
Total assets
$52.59M
Total deposits
$42.53M
Total equity
$9.24M
Net loans
$38.97M
Branches (offices)
1
Net income (YTD)
$293.00K
Rank: #4,024 of 4,213 U.S. banks by assets · #40 of 41 in West Virginia. Assets changed 2.8% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 6.43% |
| Net interest margin (YTD) | 4.93% |
| Equity to assets | 17.58% |
| Tier 1 leverage ratio | 18.79% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.6% |
| Real estate loans (share of loans) | 91.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $35.76M | 91.8% | |
| Commercial & industrial | $1.59M | 4.1% | |
| Consumer / individual | $2.40M | 6.2% | |
| Construction & development | $2.22M | 5.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $49.51M | $38.76M | $154.00K | $6.82M |
| Jun 2023 | $53.99M | $41.35M | $114.00K | $7.29M |
| Jun 2024 | $50.18M | $41.67M | $115.00K | $7.63M |
| Jun 2025 | $51.18M | $42.30M | $235.00K | $8.35M |
| Jun 2026 | $52.59M | $42.53M | $293.00K | $9.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $42.53M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $42.53M.
Similar-sized banks
The First National Bank Of Wakefield ($52.65M) · Lovelady State Bank ($52.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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