Total Assets
$67M
Total balance-sheet footings
FDIC Cert #13018 · Thomas, West Virginia · Est. 1902
Miners & Merchants Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $67M
- Total assets
- C
- Health grade · Fair
- -0.22%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Miners & Merchants Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.22% Tier 1, -0.22% ROA, 108% efficiency ratio.
- #4,006
- largest of 4,313 FDIC banks by assets
- 7th
- percentile by asset size, nationally
- 13.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Miners & Merchants Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Miners & Merchants Bank's composite health score
Tier 1 Capital Ratio (13.22%) 35/40
Return on Assets (ROA) (-0.22%) 0/25
Texas Ratio (2.97%) 20/20
Efficiency Ratio (108.27%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$58M
Customer-funded liabilities
Net Loans
$24M
Outstanding loan book
Net Income
$-146K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Miners & Merchants Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Miners & Merchants Bank's score of 55/100 falls in the highlighted band.
Miners & Merchants Bank'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). Miners & Merchants Bank's $67M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.22%
Texas Ratio
2.97%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.22%
Return on Equity (ROE)
-1.61%
Efficiency Ratio
108.27%
What the numbers say about Miners & Merchants Bank
Miners & Merchants Bank is an FDIC-insured institution (Certificate #13018) headquartered in Thomas, West Virginia, established in 1902. It holds $67M in total assets - 4,006th of 4,313 FDIC-insured banks, $58M in customer deposits, and $24M in net loans. Looking at capital strength, Tier 1 stands at 13.22%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.97%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (55/100), 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.
By assets, Miners & Merchants Bank ranks 40th of 42 banks based in West Virginia -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$2M
Interest Income
$174K
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. Miners & Merchants Bank reports a Texas Ratio of 2.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Miners & Merchants Bank
Miners & Merchants Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-146K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Miners & Merchants Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Miners & Merchants Bank (FDIC Cert #13018) - 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 Miners & Merchants Bank's health grade?▼
Miners & Merchants Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Miners & Merchants Bank?▼
Miners & Merchants Bank holds $67M in total assets and $58M in deposits, ranking 4,006th of 4,313 FDIC-insured banks by asset size. It is headquartered in Thomas, West Virginia.
Is my money safe at Miners & Merchants Bank?▼
Yes, deposits at Miners & Merchants Bank (Certificate #13018) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Miners & Merchants Bank's Tier 1 Capital Ratio?▼
Miners & Merchants Bank has a Tier 1 Capital Ratio of 13.22%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Miners & Merchants Bank?▼
Miners & Merchants Bank has a Texas Ratio of 2.97%. 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 Miners & Merchants Bank?▼
Miners & Merchants Bank has an Efficiency Ratio of 108.27%. 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 Miners & Merchants Bank's profile as a depositor or analyst.
- Miners & Merchants Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Miners & Merchants Bank 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.