MCNB Bank and Trust Co.
Welch, WV
IDRSSD: 20633
Total Assets
$362.92M
Latest filing
Total Deposits
$296.13M
Latest filing
Net Interest Margin
3.34%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
MCNB Bank and Trust Co.
75 Wyoming St
Welch, WV 24801
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1900FDIC Certificate 4575
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| MCNB Bank and Trust Co. (Main) | 75 Wyoming St | Welch, WV |
| DRIVE-IN FACILITY | 94 Howard St | Welch, WV |
| E. CUMBERLAND BRANCH | 3152 E Cumberland Rd | Bluefield, WV |
| SOUTH WALKER STREET BRANCH | 322 S Walker St | Princeton, WV |
| CEDAR BLUFF BRANCH | 1051 Claypool Hill Mall Rd | Cedar Bluff, VA |
| MCCULLOUGH DRIVE BRANCH | 85 Jerome Van Meter Dr | Beckley, WV |
| RITTER DRIVE BRANCH | 1122 Ritter Dr | Daniels, WV |
| RICHLANDS BRANCH | 3102 Cedar Valley Dr | Richlands, VA |
Showing 7 of 7
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 | 07/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24801 |
| State and County Number | 54047 |
| 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 | N/A |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 8 |
| 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.mcnbbanks.com |
| Data Updated | 11/14/2025 |
| CERT | 6803 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $362.92M |
| Total Deposits | $296.13M |
| Total Liabilities | $322.84M |
| Total Equity Capital | $40.08M |
| Net Income | $552.00k |
| Net Loans and Leases | $256.65M |
| Assets Per Employee ($Millions) | $5.95M |
| Bank Premises and Fixed Assets | $5.36M |
| Cash and Balances due from Depository Institutions | $10.05M |
| Deposits Held in Domestic Offices | $296.13M |
Key Performance Ratios
| Return on Assets (ROA) | 0.61% |
| Return on Equity (ROE) | 5.62% |
| Net Interest Margin | 3.34% |
| Efficiency Ratio | 78.98% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.043% |
| Earning Assets to total Assets | 93.33% |
Income and Expense
| Total Interest Income | $4.61M |
| Total Noninterest Income | $591.00k |
| Total Interest Expense | $1.80M |
| Total Noninterest Expense | $2.69M |
| Net Interest Income | $2.81M |
| Pre-tax Net Operating Income | $651.00k |
| Provision for Credit Losses | $65.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $445.00k |
| Other borrowed funds | $24.57M |
| Federal Funds Sold & Reverse Repurchase Agreement | $312.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.14M |
| Total Liabilities and Capital | $362.92M |
Securities
| Securities | $76.15M |
| Available-for-sale debt securities | $75.47M |
| 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 MCNB Bank and Trust Co.?
$362.92M as of the latest filing.
How much are MCNB Bank and Trust Co.'s total deposits?
$296.13M in total deposits.
Where is MCNB Bank and Trust Co. located?
Welch, WV.
What is the Net Interest Margin?
3.34%.
How many domestic offices does it operate?
8.
When was it established?
07/01/1900.
What is the Return on Assets (ROA)?
0.61%.
How much are total loans and leases?
$256.65M (latest filing).
What is the total interest income (latest filing)?
$4.61M.