State directory · WV

West Virginia Banks

Name: West Virginia Banks - 42 FDIC-Insured Banks
Creator: Federal Deposit Insurance Corporation (FDIC)
License: https://creativecommons.org/publicdomain/zero/1.0/

Every FDIC-insured bank headquartered in West Virginia, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial

42
FDIC banks: 72/100
Avg health score: $51.1B
Total assets: 2
Failures since 2000

Data updated July 2026

The state picture

West Virginia's 42 FDIC banks hold $51.1B in assets and average 72/100 on health - 81% earn an A or B grade.

42
FDIC-insured banks: 81%
grade A or B (34 banks): $27.6B
largest - WesBanco Bank, Inc.: 2
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: West Virginia's average health score of 72/100 is below the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

33% of banks

48% of banks

14% of banks

5% of banks

0% of banks

Largest banks in West Virginia

Top 10 West Virginia banks by total assets

1

WesBanco Bank, Inc. $27.6B

Wheeling, WV · Grade A
2

City National Bank of West Virginia $6.7B

Charleston, WV · Grade A
3

MVB Bank, Inc $3.3B

Fairmont, WV · Grade B
4

Clear Mountain Bank $985M

Bruceton Mills, WV · Grade A
5

Potomac Bank $943M

Charles Town, WV · Grade A
6

Pendleton Community Bank, Inc. $814M

Franklin, WV · Grade B
7

CNB Bank, Inc. $786M

Berkeley Springs, WV · Grade B
8

Citizens Bank of West Virginia, Inc. $705M

Elkins, WV · Grade A
9

Putnam County Bank $651M

Hurricane, WV · Grade B
10

The Poca Valley Bank, Inc. $649M

Walton, WV · Grade B

Top 10 of 42 West Virginia banks · FDIC Call Report Q4 2025.

How West Virginia compares nationally

West Virginia ranks #41 of 55 states and territories by average bank health score - better than 26% of them.

West Virginia: 72/100

All 42 West Virginia banks

Bank	City	Assets	Grade	Tier 1 %	ROA
WesBanco Bank, Inc.	Wheeling	$27.6B	A	12.1%	0.91%
City National Bank of West Virginia	Charleston	$6.7B	A	13.4%	2.01%
MVB Bank, Inc	Fairmont	$3.3B	B	11.1%	1.46%
Clear Mountain Bank	Bruceton Mills	$985M	A	13.2%	1.28%
Potomac Bank	Charles Town	$943M	A	12.6%	1.04%
Pendleton Community Bank, Inc.	Franklin	$814M	B	10.5%	1.01%
CNB Bank, Inc.	Berkeley Springs	$786M	B	14.7%	0.78%
Citizens Bank of West Virginia, Inc.	Elkins	$705M	A	11.6%	1.59%
Putnam County Bank	Hurricane	$651M	B	12.5%	0.88%
The Poca Valley Bank, Inc.	Walton	$649M	B	11.2%	0.71%
Jefferson Security Bank	Shepherdstown	$562M	B	12.7%	0.79%
Huntington Federal Savings Bank	Huntington	$553M	C	14.8%	-0.57%
Hancock County Savings Bank, F.S.B.	Chester	$482M	A	35.3%	0.78%
Freedom Bank, Inc.	Belington	$422M	A	11.2%	2.03%
The Grant County Bank	Petersburg	$397M	B	10.9%	0.98%
First Exchange Bank	White Hall	$376M	C	12.8%	0.46%
The Bank of Romney	Romney	$365M	A	15.8%	1.29%
MCNB Bank and Trust Co.	Welch	$363M	B	12.1%	0.62%
Logan Bank & Trust Company	Logan	$360M	A	10.8%	1.30%
Community Bank of Parkersburg	Parkersburg	$322M	B	9.6%	1.28%
West Union Bank	West Union	$301M	B	14.0%	0.98%
The Citizens Bank of Weston	Weston	$299M	A	10.6%	1.52%
FNB Bank, Inc.	Romney	$274M	B	10.2%	0.85%
Davis Trust Company	Elkins	$263M	B	12.3%	0.88%
The Bank of Monroe	Union	$252M	A	21.1%	1.18%
Capon Valley Bank	Wardensville	$237M	C	9.6%	1.03%
Williamstown Bank, Inc.	Williamstown	$228M	B	10.5%	0.65%
Calhoun County Bank, Inc.	Grantsville	$213M	B	10.2%	0.97%
Mountain Valley Bank, N.A.	Elkins	$199M	A	13.1%	1.52%
Pioneer Community Bank, Inc.	Iaeger	$183M	B	14.0%	0.79%
The Harrison County Bank	Lost Creek	$158M	B	10.5%	0.88%
First Neighborhood Bank	Spencer	$156M	D	10.8%	-0.09%
The Fayette County National Bank of Fayetteville	Fayetteville	$155M	B	21.3%	0.55%
Guaranty Bank Inc.	Williamson	$147M	B	17.6%	0.74%
Whitesville State Bank	Whitesville	$138M	D	9.9%	0.28%
Clay County Bank, Inc.	Clay	$136M	A	14.4%	1.05%
The First National Bank of Williamson	Williamson	$119M	C	38.0%	-0.13%
The First National Bank of Peterstown	Peterstown	$84M	B	27.7%	0.98%
The Pleasants County Bank	Saint Marys	$79M	C	9.6%	0.55%
Miners & Merchants Bank	Thomas	$67M	C	13.2%	-0.22%
Citizens Bank of Morgantown, Inc.	Morgantown	$52M	A	18.4%	1.06%
First Federal Savings & Loan Association of Ravenswood	Ravenswood	$27M	B	22.5%	0.22%

How to read the West Virginia bank directory

This page lists every FDIC-insured bank with a primary regulatory address in West Virginia. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 42 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across West Virginia, 34 institutions (81%) sit in the A or B band, while 2 (5%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 2 banks headquartered in West Virginia have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the West Virginia directory

Three ways to put this state view to work.

Open the largest or highest-graded West Virginia banks to see the full four-pillar breakdown. Top bank profile
Compare the safest and highest-risk banks nationwide before moving funds. Safest banks
Confirm your deposit insurance coverage - $250,000 per depositor, per category. FDIC insurance explained

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.

West Virginia Banks

Health grade distribution

Largest banks in West Virginia