FDIC Cert #6803 · Welch, West Virginia · Est. 1900

MCNB Bank and Trust Co. - FDIC Bank Health Profile

A community-scale look at MCNB Bank and Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$363M
Total assets
B
Health grade · Good
0.62%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

MCNB Bank and Trust Co. earns a PlainBankData health grade of B (69/100), with well-capitalized at 12.10% Tier 1, 0.62% ROA, 78% efficiency ratio.

#2,229
largest of 4,313 FDIC banks by assets
48th
percentile by asset size, nationally
12.10%
Tier 1 ratio - above the 10% well-capitalized line
20th
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 6803 · WV B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3122/4307
  • PHOTO-FINISH 1st National Bank · OH
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 7.7% Texas
  • ROA-THIN 0.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: 1st National Bank, OH (±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 MCNB Bank and Trust Co.

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

Morgan Stanley Bank,… · UT ·…100/1001st National Bank · OH · near69/100CorTrust Bank Nation… · SD ·…69/100MCNB Bank and Trust… · WV · …69/100Spencer County Bank · IN · n…69/100Union State Bank · AL · near69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around MCNB Bank and Trust Co. · July 2026

Plate reading for MCNB Bank and Trust Co. where failures stay rare

MCNB Bank and Trust Co. (FDIC Cert #6803) carries a PlainBankData health grade of B at 69/100, 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 #3,122 of 4,307. Tier 1 capital prints at 12.10%, clearing the 10% well-capitalized line. The Texas Ratio is 7.70%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.62%. Balance-sheet scale is $363M, 2,229th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is 1st National Bank (OH), 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 MCNB Bank and Trust Co.

Only 2 FAILURE resolutions in West Virginia since 2000

MCNB Bank and Trust Co. 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 MCNB Bank and Trust Co.'s 69/100 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 avg77/10069/100
MCNB Bank and Trust Co.'s composite health score
Tier 1 Capital Ratio (12.10%) 35/40
Return on Assets (ROA) (0.62%) 14/25
Texas Ratio (7.70%) 16/20
Efficiency Ratio (78.17%) 4/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$363M

Total balance-sheet footings

Total Deposits

$295M

Customer-funded liabilities

Net Loans

$250M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.7% 12.1% 13.5%
Basel III capital ratios - MCNB Bank and Trust Co.

Where MCNB Bank and Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MCNB Bank and Trust Co.'s score of 69/100 falls in the highlighted band.

MCNB Bank and Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. MCNB Bank and Trust Co. 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

MCNB Bank and Trust Co.'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). MCNB Bank and Trust Co.'s $363M falls in the highlighted band.

Safety metrics: MCNB Bank and Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

12.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.10%
Texas Ratio
7.70%
Equity Capital
$41M

What these ratios mean →

Profitability metrics: MCNB Bank and Trust Co.

Return on Assets (ROA)
20th percentile nationally
0.62%
Return on Equity (ROE)
5.73%
Efficiency Ratio
78.17%

What these mean →

Income & expense at MCNB Bank and Trust Co.

$18M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. MCNB Bank and Trust Co. reports a Texas Ratio of 7.70% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.70% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View MCNB Bank and Trust Co. 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 ($363M here), outside West Virginia so the neighborhood is not state containment.

West View Savings Bank $363M · PA The First National Bank of Grayson $363M · KY OSB Community Bank $363M · IL Commercial Bank and Trust of PA $362M · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MCNB Bank and Trust Co. (FDIC Cert #6803) - 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.

MCNB Bank and Trust Co. 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%