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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 13018 · WV C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4058/4307
  • PHOTO-FINISH Denver Savings Bank · IA
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 3.0% Texas
  • ROA-LOSS -0.22% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: Denver Savings Bank, IA (±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 Miners & Merchants Bank

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

Morgan Stanley Bank,… · UT ·…100/100Denver Savings Bank · IA · n…55/100Miners & Merchants B… · WV ·…55/100Northfield Savings B… · VT ·…55/100The Hopeton State Bank · OK …55/100Union County Savings… · NJ ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Miners & Merchants Bank · July 2026

Plate reading for Miners & Merchants Bank where failures stay rare

Miners & Merchants Bank (FDIC Cert #13018) carries a PlainBankData health grade of C at 55/100, 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 #4,058 of 4,307. Tier 1 capital prints at 13.22%, clearing the 10% well-capitalized line. The Texas Ratio is 2.97%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.22%. Balance-sheet scale is $67M, 4,006th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Denver Savings Bank (IA), 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 Miners & Merchants Bank

Only 2 FAILURE resolutions in West Virginia since 2000

Miners & Merchants Bank 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 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.

0/100100/100National avg77/10055/100
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 Assets

$67M

Total balance-sheet footings

Total Deposits

$58M

Customer-funded liabilities

Net Loans

$24M

Outstanding loan book

Net Income

$-146K

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.) 11.82% 13.22% 14.62%
Basel III capital ratios - Miners & Merchants Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. Miners & Merchants Bank 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

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: Miners & Merchants Bank

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

What these ratios mean →

Profitability metrics: Miners & Merchants Bank

Return on Assets (ROA)
4th percentile nationally
-0.22%
Return on Equity (ROE)
-1.61%
Efficiency Ratio
108.27%

What these mean →

Income & expense: loss period at Miners & Merchants Bank

$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.

FDIC Failed Bank List → View Miners & Merchants Bank 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 ($67M here), outside West Virginia so the neighborhood is not state containment.

Homewood Federal Savings Bank $67M · MD State Bank of Lakota $67M · ND First Western Federal Savings Bank $67M · SD The Lauderdale County Bank $67M · TN

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.

Miners & Merchants Bank 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%