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Miners & Merchants Bank

Thomas, WV
IDRSSD: 913436
Total Assets
$66.93M
Latest filing
Total Deposits
$57.74M
Latest filing
Net Interest Margin
2.56%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date06/10/1902
Community BankYes
Ownership TypeNot Mutual
ZIP26292
State and County Number54093
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number05
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees13
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/02/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttps://www.minersandmerchantsbank.com
Data Updated11/14/2025
CERT13018
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$66.93M
Total Deposits$57.74M
Total Liabilities$57.88M
Total Equity Capital$9.05M
Net Income$-107,000
Net Loans and Leases$24.29M
Assets Per Employee ($Millions)$5.15M
Bank Premises and Fixed Assets$2.14M
Cash and Balances due from Depository Institutions$9.87M
Deposits Held in Domestic Offices$57.74M

Key Performance Ratios

Return on Assets (ROA)-0.63%
Return on Equity (ROE)-4.7%
Net Interest Margin2.56%
Efficiency Ratio123.46%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.525%
Earning Assets to total Assets94.32%

Income and Expense

Total Interest Income$563.00k
Total Noninterest Income$46.00k
Total Interest Expense$153.00k
Total Noninterest Expense$563.00k
Net Interest Income$410.00k
Pre-tax Net Operating Income$-107,000
Provision for Credit Losses$0
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$485.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$140.00k
Total Liabilities and Capital$66.93M

Securities

Securities$29.84M
Available-for-sale debt securities$0
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$29.84M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Miners & Merchants Bank?
$66.93M as of the latest filing.
How much are Miners & Merchants Bank's total deposits?
$57.74M in total deposits.
Where is Miners & Merchants Bank located?
Thomas, WV.
What is the Net Interest Margin?
2.56%.
How many domestic offices does it operate?
3.
When was it established?
06/10/1902.
What is the Return on Assets (ROA)?
-0.63%.
How much are total loans and leases?
$24.29M (latest filing).
What is the total interest income (latest filing)?
$563.00k.