Total Assets
$299M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$265M
Customer-funded liabilities
Net Loans
$211M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
14.99%
Efficiency Ratio
49.50%
What the numbers say about The Citizens Bank of Weston
The Citizens Bank of Weston is an FDIC-insured institution (Certificate #19674) headquartered in Weston, West Virginia, established in 1891. It holds $299M in total assets - 2,492nd of 4,313 FDIC-insured banks, $265M in customer deposits, and $211M in net loans. On safety, its Tier 1 capital ratio of 10.56% is above the 10% well-capitalized threshold, and its Texas Ratio of 5.37% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), 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, The Citizens Bank of Weston ranks 22nd of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in West Virginia by total assets
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.
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 The Citizens Bank of Weston's health grade?▼
The Citizens Bank of Weston receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Citizens Bank of Weston?▼
The Citizens Bank of Weston holds $299M in total assets and $265M in deposits, ranking 2,492nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Weston, West Virginia.
Is my money safe at The Citizens Bank of Weston?▼
Yes, deposits at The Citizens Bank of Weston (Certificate #19674) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Citizens Bank of Weston's Tier 1 Capital Ratio?▼
The Citizens Bank of Weston has a Tier 1 Capital Ratio of 10.56%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Citizens Bank of Weston?▼
The Citizens Bank of Weston has a Texas Ratio of 5.37%. 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 The Citizens Bank of Weston?▼
The Citizens Bank of Weston has an Efficiency Ratio of 49.50%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Citizens Bank of Weston's profile as a depositor or analyst.
- The Citizens Bank of Weston's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Citizens Bank of Weston 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.