Total Assets
$363M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$295M
Customer-funded liabilities
Net Loans
$250M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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
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
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.62%
Return on Equity (ROE)
5.73%
Efficiency Ratio
78.17%
What the numbers say about MCNB Bank and Trust Co.
MCNB Bank and Trust Co. is an FDIC-insured institution (Certificate #6803) headquartered in Welch, West Virginia, established in 1900. It holds $363M in total assets - 2,229th of 4,313 FDIC-insured banks, $295M in customer deposits, and $250M in net loans. Looking at capital strength, Tier 1 stands at 12.10%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 7.70%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (69/100), 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, MCNB Bank and Trust Co. ranks 18th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in West Virginia by total assets
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.
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 MCNB Bank and Trust Co.'s health grade?▼
MCNB Bank and Trust Co. receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is MCNB Bank and Trust Co.?▼
MCNB Bank and Trust Co. holds $363M in total assets and $295M in deposits, ranking 2,229th of 4,313 FDIC-insured banks by asset size. It is headquartered in Welch, West Virginia.
Is my money safe at MCNB Bank and Trust Co.?▼
Yes, deposits at MCNB Bank and Trust Co. (Certificate #6803) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is MCNB Bank and Trust Co.'s Tier 1 Capital Ratio?▼
MCNB Bank and Trust Co. has a Tier 1 Capital Ratio of 12.10%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for MCNB Bank and Trust Co.?▼
MCNB Bank and Trust Co. has a Texas Ratio of 7.70%. 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 MCNB Bank and Trust Co.?▼
MCNB Bank and Trust Co. has an Efficiency Ratio of 78.17%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read MCNB Bank and Trust Co.'s profile as a depositor or analyst.
- MCNB Bank and Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare MCNB Bank and Trust Co. 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.