Citizens Bank of Morgantown, Inc.
Morgantown, WV · Cert 22954 · Peer group: banks under $1B in assets (n=581-629) · Morgantown Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$52.6MAssets
$39.8MLoans
$42.5MDeposits
$9.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: return on equity trails 71% of banks under $1B in assets (rank 444 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.11%
Rank 276 of 629
Net Interest Margin
4.60%
Rank 53 of 629
Efficiency Ratio
69.04%
Rank 333 of 629
Equity / Assets
17.58%
Rank 98 of 629
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 47% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.60% | 1.01% | 1.45% | Beats 56% | 276 / 629 | |
| Return on Equity | 6.34% | 5.38% | 9.30% | 13.28% | Beats 29% | 444 / 629 | |
| Net Interest Margin | 4.60% | 3.03% | 3.54% | 4.05% | Beats 92% | 53 / 629 | |
| Efficiency Ratio | 69.04% | 58.35% | 67.79% | 79.08% | Beats 47% | 333 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 74% | 150 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 18.79% | 11.24% | 13.84% | 18.77% | Beats 75% | 156 / 629 | |
| Total Risk-Based Capital Ratio | 18.79% | 11.58% | 14.43% | 19.66% | Beats 73% | 171 / 629 | |
| Equity / Assets | 17.58% | 9.09% | 10.65% | 13.80% | Beats 84% | 98 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 93.48% | 67.24% | 80.90% | 93.48% | 75th pctl | 149 / 594 | |
| Loans / Assets | 75.59% | 53.31% | 67.71% | 78.15% | 68th pctl | 203 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |