Citizens Bank of West Virginia, Inc.
Elkins, WV · Cert 6760 · Peer group: banks under $1B in assets (n=581-629) · Citizens Financial Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
$772.5MAssets
$610.8MLoans
$678.7MDeposits
$79.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets (rank 49 of 629).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets (rank 541 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.89%
Rank 85 of 629
Net Interest Margin
4.06%
Rank 154 of 629
Efficiency Ratio
47.17%
Rank 49 of 629
Equity / Assets
10.22%
Rank 360 of 629
Non-interest income vs. expense
Unfavorable gap of $10.0M · efficiency ratio beats 92% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.89% | 0.60% | 1.01% | 1.45% | Beats 86% | 85 / 629 | |
| Return on Equity | 18.53% | 5.38% | 9.30% | 13.28% | Beats 91% | 54 / 629 | |
| Net Interest Margin | 4.06% | 3.03% | 3.54% | 4.05% | Beats 76% | 154 / 629 | |
| Efficiency Ratio | 47.17% | 58.35% | 67.79% | 79.08% | Beats 92% | 49 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.09% | 0.46% | 1.20% | Beats 45% | 322 / 581 | |
| Net Charge-Offs / Loans | 0.25% | n/a | 0.01% | 0.06% | Beats 7% | 541 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.00% | 11.24% | 13.84% | 18.77% | Beats 11% | 558 / 629 | |
| Total Risk-Based Capital Ratio | 10.00% | 11.58% | 14.43% | 19.66% | Beats 10% | 563 / 629 | |
| Equity / Assets | 10.22% | 9.09% | 10.65% | 13.80% | Beats 43% | 360 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 90.00% | 67.24% | 80.90% | 93.48% | 69th pctl | 184 / 594 | |
| Loans / Assets | 79.07% | 53.31% | 67.71% | 78.15% | 78th pctl | 136 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |