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Overview / Commentary
265 High Street
Morgantown, WV 26505

Citizens Bank of Morgantown, Inc. is headquartered in Morgantown and is the 58th largest bank in the state of West Virginia. It is also the 5,848th largest bank in the nation. It was established in 1979 and as of December of 2015, it had grown to 9 employees at 1 location. Citizens Bank of Morgantown, Inc. has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Citizens Bank of Morgantown, Inc. has a low asset base.

Health Grade Components

FDIC Certificate #22954
Year Established1979
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD5.06%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$35.9MM$35.2MM
LoansQ4 2015vs Q4 2014$22.0MM$21.2MM
DepositsQ4 2015vs Q4 2014$21.5MM$21.3MM
Equity CapitalQ4 2015vs Q4 2014$6.3MM$6.1MM
Loan Loss AllowanceQ4 2015vs Q4 2014$290.00K$280.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$156.00K$53.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$0

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Citizens Bank of Morgantown, Inc. Locations
Citizens Bank Of Morgantown, Inc.265 High StreetMorgantown, WV 26505