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Citizens Bank of Weston, Inc., The

Weston, WV · Cert 19674 · Citizens Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$302.7MAssets
$217.7MLoans
$267.2MDeposits
$32.1MEquity
Loan mix
80%RE $170.6M15%C&I $32.4M5%Consumer $10.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $196.3M27%Noninterest $70.9MQ2 2025Q2 2026

NIM

5.57%Q2 ’245.77%Q2 ’255.78%Q2 ’26+9%+5%

Non-interest income vs. expense

2.15%Q2 ’242.19%Q2 ’252.23%Q2 ’26+1%+4%

Executive Summary

  • Earnings: ROA of 1.61%, up 8 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.09% of loans (+50 bps YoY), with net charge-offs at 0.27%.
  • Capital: tier 1 leverage ratio of 10.91%, up 26 bps from a year ago.
  • Funding: loans stand at 81.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.61%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+20 bps YoY

Efficiency Ratio (YTD, annualized)

50.13%-104 bps YoY

Tier 1 Leverage Ratio

10.91%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.59%1.52%1.57%1.61%+8 bps
Return on Equity15.18%15.71%14.99%15.10%15.37%+19 bps
Net Interest Margin3.87%3.86%3.90%3.98%4.07%+20 bps
Efficiency Ratio51.17%49.44%49.50%49.74%50.13%-104 bps
Non-Interest Burden1.79%1.70%1.72%1.79%1.85%+7 bps
Growth
Asset Growth (YoY)6.15%3.73%9.39%4.90%4.04%-210 bps
Loan Growth (YoY)9.60%5.75%3.56%1.03%-0.23%-983 bps
Deposit Growth (YoY)14.41%10.70%11.95%7.22%6.23%-818 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.70%0.85%1.82%1.09%+50 bps
Net Charge-Offs / Loans0.05%0.05%0.05%0.52%0.27%+22 bps
Allowance / Loans1.12%1.18%1.39%1.29%1.33%+21 bps
Allowance Coverage of NPLs1.9x1.7x1.6x0.7x1.2x-0.7x
Capital
Tier 1 Leverage Ratio10.65%10.61%10.56%10.87%10.91%+26 bps
Total Risk-Based Capital10.65%10.61%10.56%10.87%10.91%+26 bps
Equity / Assets10.11%10.18%10.27%10.49%10.62%+50 bps
Liquidity & Funding
Loans / Deposits86.76%81.73%80.76%81.70%81.49%-527 bps
Liquid Assets / Assets4.49%8.12%7.30%7.39%6.90%+242 bps
CRE / Total Capitaln/a274%273%261%n/an/a