Total Assets
$363M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
MCNB Bank and Trust Co. — FDIC Bank Health Profile
Welch, West Virginia · Est. 1900. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #6803 Atlanta Region
F
Health grade
At Risk
Score: 18/100
Basel III capital ratios — MCNB Bank and Trust Co.
Total Deposits
$295M
Customer-funded liabilities
Net Loans
$250M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$41M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.62%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
5.73%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
78.17%
Income & Expense Breakdown
$18M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
FDIC Deposit Insurance
MCNB Bank and Trust Co. is FDIC-insured (Certificate #6803). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $363M in total assets and $295M in customer deposits, with $250M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, MCNB Bank and Trust Co. reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $41M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.62% and a Return on Equity of 5.73%, with an Efficiency Ratio of 78.17% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (18/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at MCNB Bank and Trust Co. is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in West Virginia by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data MCNB Bank and Trust Co. (FDIC Cert #6803) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 | C | 0.97% |
| City National Bank of West Virginia Charleston | $6.7B | B | 2.01% |
| MVB Bank, Inc Fairmont | $3.3B | F | 1.46% |
| Clear Mountain Bank Bruceton Mills | $985M | F | 1.28% |
| Potomac Bank Charles Town | $943M | C | 1.04% |
| Pendleton Community Bank, Inc. Franklin | $814M | C | 1.01% |
| CNB Bank, Inc. Berkeley Springs | $786M | C | 0.78% |
| Citizens Bank of West Virginia, Inc. Elkins | $705M | B | 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 F (18/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is MCNB Bank and Trust Co.? ▼
MCNB Bank and Trust Co. holds $363M in total assets and $295M in deposits. It is headquartered in Welch, West Virginia.
Is my money safe at MCNB Bank and Trust Co.? ▼
Yes. MCNB Bank and Trust Co. is FDIC-insured (Certificate #6803). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is MCNB Bank and Trust Co.'s Tier 1 Capital Ratio? ▼
MCNB Bank and Trust Co. has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
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.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.