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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 22954 · WV A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1506/4307
  • PHOTO-FINISH Lovelady State Bank · TX
  • TIER1-WELL 18.4% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-PAR 1.06% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: Lovelady State Bank, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank of Morgantown, Inc.

Lowest and highest poles plus nearest scored peers outside West Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Mor… · WV ·…84/100First Commercial Ban… · TX ·…84/100First Community Bank · TX · …84/100Gulf Coast Bank · LA · near84/100Lovelady State Bank · TX · n…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank of Morgantown, Inc. · July 2026

Plate reading for Citizens Bank of Morgantown, Inc. where failures stay rare

Citizens Bank of Morgantown, Inc. (FDIC Cert #22954) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,506 of 4,307. Tier 1 capital prints at 18.42%, clearing the 10% well-capitalized line. The Texas Ratio is 2.34%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.06%. Balance-sheet scale is $52M, 4,126th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Lovelady State Bank (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank of Morgantown, Inc.

Only 2 FAILURE resolutions in West Virginia since 2000

Citizens Bank of Morgantown, Inc. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE FIRST STATE BANK BARBOURSVILLE, WV 2020 → MVB BANK, INC
  • AMERIBANK, INC. NORTHFORK, WV 2008 → THE CITIZENS SAVINGS BANK
  • FIRST NB OF KEYSTONE KEYSTONE, WV 1999 → AMERIBANK, INCORPORATED

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and West Virginia banks.

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.

0/100100/100National avg77/10084/100
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 Assets

$52M

Total balance-sheet footings

Total Deposits

$42M

Customer-funded liabilities

Net Loans

$38M

Outstanding loan book

Net Income

$541K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.02% 18.42% 19.82%
Basel III capital ratios - Citizens Bank of Morgantown, Inc.

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.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens Bank of Morgantown, Inc. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Citizens Bank of Morgantown, Inc.

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

What these ratios mean →

Earnings posture at Citizens Bank of Morgantown, Inc.

Return on Assets (ROA)
47th percentile nationally
1.06%
Return on Equity (ROE)
6.42%
Efficiency Ratio
70.72%

What these mean →

Income & expense at Citizens Bank of Morgantown, Inc.

$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.

FDIC Failed Bank List → View Citizens Bank of Morgantown, Inc. on FDIC BankFind →

Top banks in West Virginia by total assets

Largest banks headquartered in West Virginia
  1. 1
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  2. 2
    City National Bank of West Virginia $6.7B

    Charleston, WV · Grade A

  3. 3
    MVB Bank, Inc $3.3B

    Fairmont, WV · Grade B

  4. 4
    Clear Mountain Bank $985M

    Bruceton Mills, WV · Grade A

  5. 5
    Potomac Bank $943M

    Charles Town, WV · Grade A

Top 5 banks in West Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($52M here), outside West Virginia so the neighborhood is not state containment.

The Union Banking Company $52M · OH Richton Bank & Trust Company $51M · MS Cowboy State Bank $52M · WY The Granger National Bank $52M · TX

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.

Citizens Bank of Morgantown, Inc. Call Report profile · FDIC Failed Bank List · West Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in West Virginia

All West Virginia banks →
BankAssetsGradeROA
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%