BlastPoint's Banking Scorecard
The Citizens Bank of Weston
Micro
Specialty: Commercial
WV
FDIC cert 19674
Designations: ✓ Community bank
Weston, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
The Citizens Bank of Weston shows strong momentum with 1 strength and 9.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.23% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.3M
+9.4% YoY
-0.1% QoQ
|
+$81.8M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$211.1M
+3.3% YoY
-1.7% QoQ
|
+$71.9M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$264.8M
+12.0% YoY
-0.4% QoQ
|
+$81.2M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.55%
+10.2% YoY
-2.0% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.17%
+8.5% YoY
+1.3% QoQ
|
+0.32% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
49.50%
-5.1% YoY
+0.1% QoQ
|
-18.23% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.86%
+101.5% YoY
+21.0% QoQ
|
+0.22% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
79.70%
-7.7% YoY
-1.3% QoQ
|
+5.17% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
26.27%
+11.4% YoY
-1.7% QoQ
|
+3.87% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.60%
+83.7% YoY
+14.6% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
+12.9% YoY
+38.5% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.50%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Efficiency Ratio
Current: 49.50% · Tier avg: 67.73%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
77
77th pctile
Total Loans
Current: $211.1M · Tier avg: $139.2M
74
74th pctile
Total Deposits
Current: $264.8M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $299.3M · Tier avg: $217.5M
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.27% · Tier avg: 22.39%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.70% · Tier avg: 74.53%
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
Top Weaknesses
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.70% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.27% · Tier avg: 22.39%
72
72th pctile
Total Assets
Current: $299.3M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $264.8M · Tier avg: $183.7M
77
77th pctile
Total Loans
Current: $211.1M · Tier avg: $139.2M
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 49.50% · Tier avg: 67.73%