FDIC Cert #19674 · Weston, West Virginia · Est. 1891

The Citizens Bank of Weston - FDIC Bank Health Profile

A community-scale look at The Citizens Bank of Weston's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$299M
Total assets
A
Health grade · Excellent
1.52%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

The Citizens Bank of Weston earns a PlainBankData health grade of A (84/100), with well-capitalized at 10.56% Tier 1, profitable at 1.52% ROA, efficient (49% cost ratio).

#2,492
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
10.56%
Tier 1 ratio - above the 10% well-capitalized line
75th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 19674 · WV A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1454/4307
  • PHOTO-FINISH State Bank of Whitti… · IL
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-STRONG 1.52% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: State Bank of Whittington, IL (±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 The Citizens Bank of Weston

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

Morgan Stanley Bank,… · UT ·…100/100Park State Bank & Tr… · CO ·…84/100Republic Bank of Chi… · IL ·…84/100Skowhegan Savings Bank · ME …84/100State Bank of Whitti… · IL ·…84/100The Citizens Bank of… · WV ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Citizens Bank of Weston · July 2026

Plate reading for The Citizens Bank of Weston where failures stay rare

The Citizens Bank of Weston (FDIC Cert #19674) carries a PlainBankData health grade of A at 84/100, 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 #1,454 of 4,307. Tier 1 capital prints at 10.56%, clearing the 10% well-capitalized line. The Texas Ratio is 5.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.52%. Balance-sheet scale is $299M, 2,492nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Whittington (IL), 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 The Citizens Bank of Weston

Only 2 FAILURE resolutions in West Virginia since 2000

The Citizens Bank of Weston 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 The Citizens Bank of Weston's 84/100 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 avg77/10084/100
The Citizens Bank of Weston's composite health score
Tier 1 Capital Ratio (10.56%) 28/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (5.37%) 16/20
Efficiency Ratio (49.50%) 15/15

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

Balance sheet at a glance

Total Assets

$299M

Total balance-sheet footings

Total Deposits

$265M

Customer-funded liabilities

Net Loans

$211M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.16% 10.56% 11.96%
Basel III capital ratios - The Citizens Bank of Weston

Where The Citizens Bank of Weston ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Citizens Bank of Weston's score of 84/100 falls in the highlighted band.

The Citizens Bank of Weston: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 34% higher than 66% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Citizens Bank of Weston 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

The Citizens Bank of Weston'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). The Citizens Bank of Weston's $299M falls in the highlighted band.

Safety metrics: The Citizens Bank of Weston

Tier 1 capital ratio
Well-capitalized 10%

10.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.56%
Texas Ratio
5.37%
Equity Capital
$31M

What these ratios mean →

Earnings posture at The Citizens Bank of Weston

Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
14.99%
Efficiency Ratio
49.50%

What these mean →

Income & expense at The Citizens Bank of Weston

$17M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Citizens Bank of Weston reports a Texas Ratio of 5.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Citizens Bank of Weston 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 ($299M here), outside West Virginia so the neighborhood is not state containment.

Community Bank $299M · IL First Bank of Ohio $299M · OH Citizens Guaranty Bank $300M · KY Hometown Bank of Corbin, Inc. $300M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Citizens Bank of Weston (FDIC Cert #19674) - 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.

The Citizens Bank of Weston 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%