Citizens Bank of Morgantown, Inc.
Morgantown, WV
IDRSSD: 897237
Total Assets
$51.56M
Latest filing
Total Deposits
$41.79M
Latest filing
Net Interest Margin
5.03%
Profitability
Key People
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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 01/30/2026Established 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
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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 | 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 | 01/30/2026 |
| CERT | 22954 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $51.56M |
| Total Deposits | $41.79M |
| Total Liabilities | $42.53M |
| Total Equity Capital | $9.03M |
| Net Income | $187.00k |
| Net Loans and Leases | $37.65M |
| Assets Per Employee ($Millions) | $5.73M |
| Bank Premises and Fixed Assets | $655.00k |
| Cash and Balances due from Depository Institutions | $1.23M |
| Deposits Held in Domestic Offices | $41.79M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 8.51% |
| Net Interest Margin | 5.03% |
| Efficiency Ratio | 60.83% |
| 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 | 17.511% |
| Earning Assets to total Assets | 93.58% |
Income and Expense
| Total Interest Income | $740.00k |
| Total Noninterest Income | $26.00k |
| Total Interest Expense | $138.00k |
| Total Noninterest Expense | $382.00k |
| Net Interest Income | $602.00k |
| Pre-tax Net Operating Income | $241.00k |
| Provision for Credit Losses | $5.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $743.00k |
| Total Liabilities and Capital | $51.56M |
Securities
| Securities | $10.31M |
| Available-for-sale debt securities | $10.31M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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.?
$51.56M as of the latest filing.
How much are Citizens Bank of Morgantown, Inc.'s total deposits?
$41.79M in total deposits.
Where is Citizens Bank of Morgantown, Inc. located?
Morgantown, WV.
What is the Net Interest Margin?
5.03%.
How many domestic offices does it operate?
1.
When was it established?
09/20/1979.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$37.65M (latest filing).
What is the total interest income (latest filing)?
$740.00k.