Citizens Bank of West Virginia, Inc.
Elkins, WV
IDRSSD: 481627
Total Assets
$685.60M
Latest filing
Total Deposits
$602.83M
Latest filing
Net Interest Margin
4.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank of West Virginia, Inc.
211 3rd St
Elkins, WV 26241
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/22/1924FDIC Certificate 4539
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank of West Virginia, Inc. (Main) | 211 3rd St | Elkins, WV |
| TYGART VALLEY BRANCH | 100 Main St | Beverly, WV |
| NEW MARTINSVILLE BRANCH | 425 3rd St | New Martinsville, WV |
| BUCKHANNON OFFICE BRANCH | 66 W Main St | Buckhannon, WV |
| SNOWSHOE BRANCH | 1 Citizens Plaza | Slatyfork, WV |
| TUCKER COUNTY BRANCH | 224 Walnut St | Parsons, WV |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/22/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26241 |
| State and County Number | 54083 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Elkins, WV |
Operational Info
| Number of Employees | 94 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.citizenswv.com |
| Data Updated | 11/14/2025 |
| CERT | 6760 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $685.60M |
| Total Deposits | $602.83M |
| Total Liabilities | $613.58M |
| Total Equity Capital | $72.02M |
| Net Income | $2.79M |
| Net Loans and Leases | $544.59M |
| Assets Per Employee ($Millions) | $7.07M |
| Bank Premises and Fixed Assets | $8.03M |
| Cash and Balances due from Depository Institutions | $27.58M |
| Deposits Held in Domestic Offices | $602.83M |
Key Performance Ratios
| Return on Assets (ROA) | 1.63% |
| Return on Equity (ROE) | 15.81% |
| Net Interest Margin | 4.35% |
| Efficiency Ratio | 49.54% |
| Tier 1 Risk-Based Capital Ratio | 11.774% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.505% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $10.00M |
| Total Noninterest Income | $1.13M |
| Total Interest Expense | $3.07M |
| Total Noninterest Expense | $4.06M |
| Net Interest Income | $6.93M |
| Pre-tax Net Operating Income | $3.56M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $862.00k |
| Other borrowed funds | $5.97M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $474.00k |
| All Other Liabilities | $4.31M |
| Total Liabilities and Capital | $685.60M |
Securities
| Securities | $77.61M |
| Available-for-sale debt securities | $77.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank of West Virginia, Inc.?
$685.60M as of the latest filing.
How much are Citizens Bank of West Virginia, Inc.'s total deposits?
$602.83M in total deposits.
Where is Citizens Bank of West Virginia, Inc. located?
Elkins, WV.
What is the Net Interest Margin?
4.35%.
How many domestic offices does it operate?
6.
When was it established?
01/22/1924.
What is the Return on Assets (ROA)?
1.63%.
How much are total loans and leases?
$544.59M (latest filing).
What is the total interest income (latest filing)?
$10.00M.