Total Assets
$52M
Total balance-sheet footings
FDIC Cert #22954 · Morgantown, West Virginia · Est. 1979
Citizens Bank of Morgantown, Inc. - FDIC Bank Health Profile
A community-scale look at Citizens Bank of Morgantown, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $52M
- Total assets
- A
- Health grade · Excellent
- 1.06%
- Return on assets
- 18.4%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank of Morgantown, Inc. earns a PlainBankData health grade of A (84/100), with well-capitalized at 18.42% Tier 1, profitable at 1.06% ROA, 71% efficiency ratio.
- #4,126
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 18.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 47th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Citizens Bank of Morgantown, Inc.'s 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Citizens Bank of Morgantown, Inc.'s composite health score
Tier 1 Capital Ratio (18.42%) 40/40
Return on Assets (ROA) (1.06%) 20/25
Texas Ratio (2.34%) 20/20
Efficiency Ratio (70.72%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$42M
Customer-funded liabilities
Net Loans
$38M
Outstanding loan book
Net Income
$541K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank of Morgantown, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank of Morgantown, Inc.'s score of 84/100 falls in the highlighted band.
Citizens Bank of Morgantown, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank of Morgantown, Inc.'s $52M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.42%
Texas Ratio
2.34%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
6.42%
Efficiency Ratio
70.72%
What the numbers say about Citizens Bank of Morgantown, Inc.
Citizens Bank of Morgantown, Inc. is an FDIC-insured institution (Certificate #22954) headquartered in Morgantown, West Virginia, established in 1979. It holds $52M in total assets - 4,126th of 4,313 FDIC-insured banks, $42M in customer deposits, and $38M in net loans. Capital-wise, the Tier 1 ratio sits at 18.42%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.34%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Bank of Morgantown, Inc. is a community-scale institution -- 41st of 42 FDIC-insured banks headquartered in West Virginia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$3M
Interest Income
$172K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank of Morgantown, Inc. reports a Texas Ratio of 2.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank of Morgantown, Inc. (FDIC Cert #22954) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is Citizens Bank of Morgantown, Inc.'s health grade?▼
Citizens Bank of Morgantown, Inc. receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens Bank of Morgantown, Inc.?▼
Citizens Bank of Morgantown, Inc. holds $52M in total assets and $42M in deposits, ranking 4,126th of 4,313 FDIC-insured banks by asset size. It is headquartered in Morgantown, West Virginia.
Is my money safe at Citizens Bank of Morgantown, Inc.?▼
Yes, deposits at Citizens Bank of Morgantown, Inc. (Certificate #22954) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank of Morgantown, Inc.'s Tier 1 Capital Ratio?▼
Citizens Bank of Morgantown, Inc. has a Tier 1 Capital Ratio of 18.42%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Bank of Morgantown, Inc.?▼
Citizens Bank of Morgantown, Inc. has a Texas Ratio of 2.34%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank of Morgantown, Inc.?▼
Citizens Bank of Morgantown, Inc. has an Efficiency Ratio of 70.72%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank of Morgantown, Inc.'s profile as a depositor or analyst.
- Citizens Bank of Morgantown, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank of Morgantown, Inc. against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.