MCNB Bank and Trust Co.

BankWelch, West Virginia
www.mcnbbanks.com

Total Assets

$362.7M

Total Deposits

$295.2M

Branches

8

Established

1900

TFS Health Grade

$
D

63.0 / 100

Below average financial health

How we grade

MCNB Bank and Trust Co. is a bank headquartered in Welch, West Virginia, established in 1900. With $362.7M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D (63.0/100).

Capital & Safety

Tier 1 Capital Ratio
12.10%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.33%

Profitability

Return on Assets (ROA)
0.62%(1%)
Return on Equity (ROE)
5.73%(10%)
Net Interest Margin
3.32%
Efficiency Ratio
78.17%(60%)

Lending & Liquidity

Total Loans
$252.7M
Loan-to-Deposit Ratio
84.67%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+0.63%
Deposit Growth (YoY)
-1.79%
Net Income
$2.2M

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.

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