Total Assets
$66.8M
Total Deposits
$57.8M
Branches
3
Established
1902
Miners & Merchants Bank is a bank headquartered in Thomas, West Virginia, established in 1902. It holds $66.8M in total assets across 3 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Miners & Merchants Bank earns a TFS Financial Health Grade of F (53.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
53.1 / 100
Poor financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Data sourced from FDIC BankFind Suite 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.
Data sourced from CFPB Consumer Complaint Database. 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 |
|---|---|---|---|---|
| Miners & Merchants BankHQ | 16000 Appalachian Highway | Thomas | WV | 11 |
| Miners & Merchants Bank | 13164 Garrett Hwy | Oakland | MD | 12 |
| Miners & Merchants Bank | Front St | Bayard | 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.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
53.1
Tier 1 capital ratio
13.22%
Return on assets
-0.22%
Non-performing loans
1.11%
Efficiency ratio
108.27%
Asset growth (YoY)
-0.36%
Suggested direct comparisons
Bruceton Mills, WV
$1.0B
Morgantown, WV
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.