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Citizens Bank Of West Virginia, Inc.
Elkins, WV · FDIC Certificate #6760 · Chartered 01/2
Total assets
$772.47M
Total deposits
$678.67M
Total equity
$78.98M
Net loans
$604.46M
Branches (offices)
9
Net income (YTD)
$7.32M
Rank: #1,288 of 4,213 U.S. banks by assets · #8 of 41 in West Virginia. Assets changed 13.2% and deposits 12.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.95% |
| Return on equity | 19.26% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 10.22% |
| Tier 1 leverage ratio | 10.00% |
| Uninsured deposits (share of deposits) | 16.8% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | 0.38% |
| Loans to deposits | 89.1% |
| Real estate loans (share of loans) | 42.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $254.95M | 42.2% | |
| Commercial & industrial | $47.33M | 7.8% | |
| Consumer / individual | $293.63M | 48.6% | |
| Construction & development | $7.75M | 1.3% | |
| Agricultural | $21.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $500.96M | $426.81M | $3.35M | $40.40M |
| Jun 2023 | $600.48M | $528.41M | $3.50M | $54.98M |
| Jun 2024 | $681.53M | $582.33M | $3.54M | $60.35M |
| Jun 2025 | $682.47M | $601.81M | $5.35M | $69.12M |
| Jun 2026 | $772.47M | $678.67M | $7.32M | $78.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $664.38M | 8 |
| Maryland | $14.29M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $678.67M.
Similar-sized banks
Cfsbank ($773.38M) · First Central State Bank ($772.35M)
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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