Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
75 Wyoming Street
Welch, WV 24801

MCNB Bank and Trust Co. is headquartered in Welch and is the 16st largest bank in the state of West Virginia. It is also the 2,155th largest bank in the nation. It was established in 1900 and as of March of 2014, it had grown to 84 employees at 8 locations. MCNB Bank and Trust Co. has a C health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 MCNB Bank and Trust Co. had $17.42 million in non-current loans and owned real-estate with $33.47 million in equity and loan loss allowances on hand to cover it. This gives MCNB Bank and Trust Co. a Texas Ratio of 52.04% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for MCNB Bank and Trust Co. increased slightly from 38.27% as of March 31, 2013 to 52.04% as of March 31, 2014, resulting in a negative change of 35.98%. This indicates that the balance sheet and financial strength for MCNB Bank and Trust Co. has declined slightly in recent periods.

Deposit Growth


In the past year, MCNB Bank and Trust Co. has decreased its total deposits by -$8.93 million, resulting in -3.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth MCNB Bank and Trust Co. has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. MCNB Bank and Trust Co. has $304.34 million in assets with $33.47 million in equity, resulting in a capitalization level of 11.00%, which is above average.

Institution Statistics

FDIC Certificate #6803
Year Established1900
Primary RegulatorFDIC
Assets and Liabilities
Assets$304.34 million
Loans$178.83 million
Deposits$266.08 million
Equity Capital$30.32 million
Loan Loss Allowance$3.15 million
Unbacked Noncurrent Loans$2.47 million
Real Estate Owned$14.95 million
Historic Data - March 2013
Assets$312.61 million
Equity Capital$29.47 million
Loan Loss Allowance$2.77 million
Unbacked Noncurrent Loans$2.47 million
Real Estate Owned$5.95 million
Profit Margin - Quarterly
Net Interest Margin3.39%
Return on Assets0.15%
Return on Equity1.5%
Interest Income$2.75 million

Sorry, we do not have rate data for MCNB Bank and Trust Co.


MCNB Bank and Trust Co. Locations
Ritter Drive Branch1122 Ritter DriveDaniels, WV 25832
E. Cumberland Branch3152 E. Cumberland RoadBluefield, WV 24701
South Walker Street Branch322 South Walker StreetPrinceton, WV 24740
Mcnb Bank and Trust Co.75 Wyoming StreetWelch, WV 24801
Mccullough Drive Branch85 Jerome Van Meter DriveBeckley, WV 25801
Drive-In Facility94 Howard StreetWelch, WV 24801