BlastPoint's Banking Scorecard
Citizens Bank of West Virginia, Inc.
Community
Specialty: Consumer
WV
FDIC cert 6760
Elkins, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
Citizens Bank of West Virginia, Inc. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 49% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$704.6M
+5.7% YoY
+2.8% QoQ
|
-$686.8M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$553.5M
+1.7% YoY
+1.6% QoQ
|
-$421.9M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$620.7M
+5.0% YoY
+3.0% QoQ
|
-$543.9M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.59%
+28.2% YoY
-0.5% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.28%
+18.5% YoY
+1.9% QoQ
|
+0.61% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
48.49%
-6.3% YoY
-0.1% QoQ
|
-14.14% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.42%
+20.2% YoY
+23.4% QoQ
|
-0.21% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
89.17%
-3.1% YoY
-1.3% QoQ
|
+6.11% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
19.27%
+3.3% YoY
+4.6% QoQ
|
-1.77% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.39%
-9.8% YoY
-1.3% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
11.65%
+7.5% YoY
-1.1% QoQ
|
+1.41% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.59%
-10.0% YoY
+23.3% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#182 of 371 · Top 49% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.59%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Risk Growth
risk
#21 of 642 · Bottom 3% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
86
86th pctile
Efficiency Ratio
Current: 48.49% · Tier avg: 62.63%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.65% · Tier avg: 10.24%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.17% · Tier avg: 83.06%
37
37th pctile
Total Loans
Current: $553.5M · Tier avg: $975.5M
30
30th pctile
Total Deposits
Current: $620.7M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $704.6M · Tier avg: $1.4B
Top Weaknesses
27
27th pctile
Total Assets
Current: $704.6M · Tier avg: $1.4B
30
30th pctile
Total Deposits
Current: $620.7M · Tier avg: $1.2B
37
37th pctile
Total Loans
Current: $553.5M · Tier avg: $975.5M
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.17% · Tier avg: 83.06%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.65% · Tier avg: 10.24%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
80
80th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.66%
86
86th pctile
Efficiency Ratio
Current: 48.49% · Tier avg: 62.63%