Citizens Bank of Weston, Inc., The
Weston, WV · Cert 19674 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$302.7MAssets
$217.7MLoans
$267.2MDeposits
$32.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 86% of banks under $1B in assets operating in a single state (rank 108 of 746).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets operating in a single state (rank 662 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.60%
Rank 142 of 746
Net Interest Margin
4.07%
Rank 218 of 746
Efficiency Ratio
50.13%
Rank 108 of 746
Equity / Assets
10.62%
Rank 353 of 746
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.72% | 1.06% | 1.45% | Beats 81% | 142 / 746 | | |
| Return on Equity | 15.03% | 6.74% | 10.51% | 13.63% | Beats 83% | 126 / 746 | | |
| Net Interest Margin | 4.07% | 3.17% | 3.68% | 4.16% | Beats 71% | 218 / 746 | | |
| Efficiency Ratio | 50.13% | 55.74% | 64.58% | 75.47% | Beats 86% | 108 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.09% | 0.42% | 1.07% | Beats 25% | 561 / 743 | | |
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.01% | 0.05% | Beats 11% | 662 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.91% | 11.55% | 13.75% | 17.60% | Beats 18% | 610 / 746 | | |
| Total Risk-Based Capital Ratio | 10.91% | 11.71% | 14.33% | 18.43% | Beats 17% | 620 / 746 | | |
| Equity / Assets | 10.62% | 8.90% | 10.51% | 13.06% | Beats 53% | 353 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.49% | 61.31% | 78.27% | 90.78% | 56th pctl | 327 / 746 | | |
| Loans / Assets | 71.92% | 53.60% | 66.97% | 76.08% | 62nd pctl | 280 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |