Citizens Bank of West Virginia Inc.
Elkins, WV·RSSD 481627·FDIC 6760·bank:481627·CBLR opted in
- #8 of 41Total assets in West Virginia
- 9offices
- 112employees
- Top 3%C&I loan growth in the U.S.
- #2 of 39Deposit growth in West Virginia
- #2 of 36Efficiency in West Virginia
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Citizens Bank of West Virginia Inc.
2 of 25 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+51.9%peers +2.3%+49.6 pp
Citizens Bank of West Virginia Inc.'s C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +51.9% | +2.3% | +49.6 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Citizens Bank of West Virginia Inc. itself is left out of every peer median and percentile. How signals work
Where Citizens Bank of West Virginia Inc. differs most from peers
Noninterest-bearing deposit share rising while the peer median fallsContext: Funding20.7%peers 20.5%+0.2 pp
Citizens Bank of West Virginia Inc.'s share of deposits that pay no interest rose 2.3 percentage points over the past year to 20.7%. Among 1432 similar banks, the median fell 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 20.7% | 20.5% | +0.2 pp |
| 12-month change | ||
| +2.3 pp | -0.1 pp | +2.4 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Citizens Bank of West Virginia Inc. itself is left out of every peer median and percentile. How signals work
Efficiency ratio among the lowest of similar banksContext: Efficiency45.2%peers 60.8%-15.6 pp
Citizens Bank of West Virginia Inc.'s efficiency ratio was 45.2%, compared with a median of 60.8% among 1433 similar banks: lower than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 45.2% | 60.8% | -15.6 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Citizens Bank of West Virginia Inc. itself is left out of every peer median and percentile. How signals work
1 more observation
- C&I lending growing faster than peersLending
Key facts
- Citizens Bank of West Virginia Inc. is a bank headquartered in Elkins, West Virginia. It reported $772 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $679 million, up 12.8% from a year earlier, and loans totaled $611 million, up 13.1%.
- Its net interest margin was 4.52% and its annualized return on assets was 1.90% for the quarter.
- Its cost of all deposits was 1.69%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Citizens Bank of West Virginia Inc.'s own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Citizens Bank of West Virginia Inc. · Bank
- Federal Reserve RSSD
- 481627
- FDIC certificate
- 6760
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Citizens Bank of West Virginia Inc. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $3.67M | — | |
| $11.07M | — | |
| $2.94M | — | |
| $8.13M | — | |
| $1.43M | — | |
| $4.32M | — | |
| $500K | — | |
| $500K | — | |
| 1.90% | 1.90%ROAQ · Quarter | |
| 4.52% | 4.50%NIMYQ · Quarter | |
| 45.20% | 43.55%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.