Total Assets
$705M
Total balance-sheet footings
FDIC Cert #6760 · Elkins, West Virginia · Est. 1924
Citizens Bank of West Virginia, Inc. - FDIC Bank Health Profile
A community-scale look at Citizens Bank of West Virginia, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $705M
- Total assets
- A
- Health grade · Excellent
- 1.59%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
Citizens Bank of West Virginia, Inc. earns a PlainBankData health grade of A (88/100), with well-capitalized at 11.65% Tier 1, profitable at 1.59% ROA, efficient (48% cost ratio).
- #1,380
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 11.65%
- Tier 1 ratio - above the 10% well-capitalized line
- 78th
- 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 West Virginia, Inc.'s 88/100 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 West Virginia, Inc.'s composite health score
Tier 1 Capital Ratio (11.65%) 28/40
Return on Assets (ROA) (1.59%) 25/25
Texas Ratio (2.95%) 20/20
Efficiency Ratio (48.49%) 15/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$621M
Customer-funded liabilities
Net Loans
$554M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Citizens Bank of West Virginia, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank of West Virginia, Inc.'s score of 88/100 falls in the highlighted band.
Citizens Bank of West Virginia, 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 West Virginia, Inc.'s $705M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.65%
Texas Ratio
2.95%
Equity Capital
$73M
Profitability metrics
Return on Assets (ROA)
78th percentile nationally
1.59%
Return on Equity (ROE)
15.76%
Efficiency Ratio
48.49%
What the numbers say about Citizens Bank of West Virginia, Inc.
Citizens Bank of West Virginia, Inc. is an FDIC-insured institution (Certificate #6760) headquartered in Elkins, West Virginia, established in 1924. It holds $705M in total assets - 1,380th of 4,313 FDIC-insured banks, $621M in customer deposits, and $554M in net loans. On safety, its Tier 1 capital ratio of 11.65% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.95% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within West Virginia, Citizens Bank of West Virginia, Inc. ranks 8th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$40M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank of West Virginia, Inc. reports a Texas Ratio of 2.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.95% - 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 West Virginia, Inc. (FDIC Cert #6760) - 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% |
| Putnam County BankHurricane | $651M | B | 0.88% |
Frequently asked questions
What is Citizens Bank of West Virginia, Inc.'s health grade?▼
Citizens Bank of West Virginia, Inc. receives a health grade of A (88/100) 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 West Virginia, Inc.?▼
Citizens Bank of West Virginia, Inc. holds $705M in total assets and $621M in deposits, ranking 1,380th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elkins, West Virginia.
Is my money safe at Citizens Bank of West Virginia, Inc.?▼
Yes, deposits at Citizens Bank of West Virginia, Inc. (Certificate #6760) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank of West Virginia, Inc.'s Tier 1 Capital Ratio?▼
Citizens Bank of West Virginia, Inc. has a Tier 1 Capital Ratio of 11.65%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens Bank of West Virginia, Inc.?▼
Citizens Bank of West Virginia, Inc. has a Texas Ratio of 2.95%. A ratio below 50% is generally considered 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 West Virginia, Inc.?▼
Citizens Bank of West Virginia, Inc. has an Efficiency Ratio of 48.49%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank of West Virginia, Inc.'s profile as a depositor or analyst.
- Citizens Bank of West Virginia, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank of West Virginia, 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.