What is Citizens Bank of West Virginia, Inc.'s financial health grade?

Citizens Bank of West Virginia, Inc. has a TFS Financial Health Grade of C+ (score: 77.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Bank of West Virginia, Inc. have?

Citizens Bank of West Virginia, Inc. has 6 branch locations across the United States.

Is Citizens Bank of West Virginia, Inc. FDIC insured?

Yes, Citizens Bank of West Virginia, Inc. is FDIC insured (Certificate #6760).

What are the total assets of Citizens Bank of West Virginia, Inc.?

Citizens Bank of West Virginia, Inc. has total assets of $704.6M as reported in its most recent FDIC filing.

Citizens Bank of West Virginia, Inc.

BankElkins, West Virginia

www.citizenswv.com

Total Assets

$704.6M

Total Deposits

$620.7M

Branches

Established

1924

TFS Health Grade

C+

77.3 / 100

Average financial health

How we grade

Citizens Bank of West Virginia, Inc. is a bank headquartered in Elkins, West Virginia, established in 1924. With $704.6M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C+ (77.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.33%(8%)

Total Capital Ratio

12.60%(10%)

Non-Performing Loan Ratio

0.42%

Profitability

Return on Assets (ROA)

1.59%(1%)

Return on Equity (ROE)

15.76%(10%)

Net Interest Margin

4.28%

Efficiency Ratio

48.49%(60%)

Lending & Liquidity

Total Loans

$559.3M

Loan-to-Deposit Ratio

89.17%

Net Charge-Off Ratio

0.27%

Growth

Asset Growth (YoY)

+5.69%

Deposit Growth (YoY)

+4.96%

Net Income

$10.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens Bank of West Virginia, Inc.HQ	211 3rd St	Elkins	WV	11
Citizens Bank of West Virginia, Inc.	100 Main St	Beverly	WV	11
Citizens Bank of West Virginia, Inc.	66 W Main St	Buckhannon	WV	11
Citizens Bank of West Virginia, Inc.	425 3rd St	New Martinsville	WV	11
Citizens Bank of West Virginia, Inc.	224 Walnut St	Parsons	WV	11
Citizens Bank of West Virginia, Inc.	1 Citizens Plaza	Slatyfork	WV	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.