Citizens Bank of Morgantown, Inc.
Morgantown, WV
IDRSSD: 897237
Total Assets
$52.15M
Latest filing
Total Deposits
$43.16M
Latest filing
Net Interest Margin
4.92%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank of Morgantown, Inc.
265 High St
Morgantown, WV 26505
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/20/1979FDIC Certificate 16060
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Citizens Bank of Morgantown, Inc. (Main) | 265 High St | Morgantown, WV | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 09/20/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26505 |
| State and County Number | 54061 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | Morgantown, WV |
Operational Info
| Number of Employees | 9 |
| Domestic Offices | 1 |
| 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 | 09/20/1979 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbankwv.com |
| Data Updated | 11/14/2025 |
| CERT | 22954 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $52.15M |
| Total Deposits | $43.16M |
| Total Liabilities | $43.59M |
| Total Equity Capital | $8.56M |
| Net Income | $119.00k |
| Net Loans and Leases | $36.53M |
| Assets Per Employee ($Millions) | $5.79M |
| Bank Premises and Fixed Assets | $654.00k |
| Cash and Balances due from Depository Institutions | $2.96M |
| Deposits Held in Domestic Offices | $43.16M |
Key Performance Ratios
| Return on Assets (ROA) | 0.92% |
| Return on Equity (ROE) | 5.63% |
| Net Interest Margin | 4.92% |
| Efficiency Ratio | 74.3% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.414% |
| Earning Assets to total Assets | 91.22% |
Income and Expense
| Total Interest Income | $736.00k |
| Total Noninterest Income | $25.00k |
| Total Interest Expense | $154.00k |
| Total Noninterest Expense | $451.00k |
| Net Interest Income | $582.00k |
| Pre-tax Net Operating Income | $151.00k |
| Provision for Credit Losses | $5.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $427.00k |
| Total Liabilities and Capital | $52.15M |
Securities
| Securities | $10.56M |
| Available-for-sale debt securities | $10.56M |
| 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 Morgantown, Inc.?
$52.15M as of the latest filing.
How much are Citizens Bank of Morgantown, Inc.'s total deposits?
$43.16M in total deposits.
Where is Citizens Bank of Morgantown, Inc. located?
Morgantown, WV.
What is the Net Interest Margin?
4.92%.
How many domestic offices does it operate?
1.
When was it established?
09/20/1979.
What is the Return on Assets (ROA)?
0.92%.
How much are total loans and leases?
$36.53M (latest filing).
What is the total interest income (latest filing)?
$736.00k.