RANKING ·
Lowest efficiency ratio in West Virginia
36 of 41 banks in West Virginia that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Logan Bank & Trust Company | Logan, WV | 39.4% | $359 million |
| 2 | Citizens Bank of West Virginia Inc. | Elkins, WV | 45.2% | $772 million |
| 3 | City National Bank of West Virginia | Charleston, WV | 47.6% | $6.8 billion |
| 4 | The Citizens Bank of Weston Inc. | Weston, WV | 50.5% | $303 million |
| 5 | Wesbanco Bank Inc. | Wheeling, WV | 51.5% | $27.7 billion |
| 6 | The Bank of Romney | Romney, WV | 53.9% | $369 million |
| 7 | The Bank of Monroe | Union, WV | 56.8% | $255 million |
| 8 | Clear Mountain Bank Inc. | Bruceton Mills, WV | 56.9% | $1.0 billion |
| 9 | Putnam County Bank | Hurricane, WV | 57.1% | $704 million |
| 10 | Calhoun County Bank Inc. | Grantsville, WV | 57.3% | $212 million |
| 11 | West Union Bank | West Union, WV | 58.5% | $300 million |
| 12 | The Fayette County National Bank of Fayetteville | Fayetteville, WV | 59.3% | $158 million |
| 13 | Potomac Bank Inc. | Charles Town, WV | 59.8% | $980 million |
| 14 | Freedom Bank Inc. | Belington, WV | 60.0% | $430 million |
| 15 | Jefferson Security Bank | Shepherdstown, WV | 60.8% | $566 million |
| 16 | Mountain Valley Bank N.A. | Elkins, WV | 61.1% | $202 million |
| 17 | Cnb Bank Inc. | Berkeley Springs, WV | 61.1% | $806 million |
| 18 | Pendleton Community Bank Inc. | Franklin, WV | 62.2% | $850 million |
| 19 | Mvb Bank Inc. | Fairmont, WV | 62.7% | $3.5 billion |
| 20 | The Grant County Bank | Petersburg, WV | 63.2% | $407 million |
| 21 | Clay County Bank Inc. | Clay, WV | 63.2% | $136 million |
| 22 | Capon Valley Bank | Wardensville, WV | 65.2% | $244 million |
| 23 | Fnb Bank Inc. | Romney, WV | 66.8% | $278 million |
| 24 | Hancock County Savings Bank, F.S.B. | Chester, WV | 66.9% | $508 million |
| 25 | Pioneer Community Bank Inc. | Iaeger, WV | 69.6% | $191 million |
| 26 | First Exchange Bank | White Hall, WV | 69.9% | $391 million |
| 27 | Community Bank of Parkersburg | Parkersburg, WV | 70.0% | $340 million |
| 28 | The Harrison County Bank | Lost Creek, WV | 70.5% | $165 million |
| 29 | Davis Trust Company | Elkins, WV | 71.5% | $275 million |
| 30 | Mcnb Bank and Trust Co. | Welch, WV | 72.7% | $357 million |
| 31 | Williamstown Bank Inc. | Williamstown, WV | 80.9% | $237 million |
| 32 | The Poca Valley Bank Inc. | Walton, WV | 81.0% | $666 million |
| 33 | Whitesville State Bank | Whitesville, WV | 85.9% | $138 million |
| 34 | Guaranty Bank Inc. | Williamson, WV | 93.0% | $152 million |
| 35 | The First National Bank of Williamson | Williamson, WV | 117.2% | $120 million |
| 36 | Huntington Federal Savings Bank | Huntington, WV | 127.4% | $532 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings