Miners & Merchants Bank
Thomas, WV
IDRSSD: 913436
Total Assets
$66.85M
Latest filing
Total Deposits
$57.78M
Latest filing
Net Interest Margin
2.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Miners & Merchants Bank
16000 Appalachian Highway
Thomas, WV 26292
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/10/1902FDIC Certificate 8225
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Miners & Merchants Bank (Main) | 16000 Appalachian Highway | Thomas, WV |
| FRONT STREET BRANCH | Front St | Bayard, WV |
| OAKLAND MARYLAND BRANCH | 13164 Garrett Hwy | Oakland, MD |
Showing 2 of 2
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 | 06/10/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26292 |
| State and County Number | 54093 |
| 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 | N/A |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 3 |
| 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 | https://www.minersandmerchantsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 13018 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $66.85M |
| Total Deposits | $57.78M |
| Total Liabilities | $57.88M |
| Total Equity Capital | $8.96M |
| Net Income | $-87,000 |
| Net Loans and Leases | $24.23M |
| Assets Per Employee ($Millions) | $5.14M |
| Bank Premises and Fixed Assets | $2.12M |
| Cash and Balances due from Depository Institutions | $11.24M |
| Deposits Held in Domestic Offices | $57.78M |
Key Performance Ratios
| Return on Assets (ROA) | -0.52% |
| Return on Equity (ROE) | -3.86% |
| Net Interest Margin | 2.59% |
| Efficiency Ratio | 119.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.411% |
| Earning Assets to total Assets | 95.14% |
Income and Expense
| Total Interest Income | $569.00k |
| Total Noninterest Income | $39.00k |
| Total Interest Expense | $158.00k |
| Total Noninterest Expense | $537.00k |
| Net Interest Income | $411.00k |
| Pre-tax Net Operating Income | $-87,000 |
| Provision for Credit Losses | $0 |
| 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 | $189.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $98.00k |
| Total Liabilities and Capital | $66.85M |
Securities
| Securities | $28.81M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $28.81M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Miners & Merchants Bank?
$66.85M as of the latest filing.
How much are Miners & Merchants Bank's total deposits?
$57.78M in total deposits.
Where is Miners & Merchants Bank located?
Thomas, WV.
What is the Net Interest Margin?
2.59%.
How many domestic offices does it operate?
3.
When was it established?
06/10/1902.
What is the Return on Assets (ROA)?
-0.52%.
How much are total loans and leases?
$24.23M (latest filing).
What is the total interest income (latest filing)?
$569.00k.