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Overview / Commentary
265 High Street
Morgantown, WV 26505

Citizens Bank of Morgantown is headquartered in Morgantown and is the 55th largest bank in the state of West Virginia. It is also the 5,444th largest bank in the nation. It was established in 1979 and as of September of 2017, it had grown to 9 employees at 1 location. Citizens Bank of Morgantown 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 has a low asset base.

Health Grade Components

FDIC Certificate #22954
Year Established1979
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD5.09%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$36.0MM$36.5MM
LoansQ3 2017vs Q3 2016$21.4MM$23.0MM
DepositsQ3 2017vs Q3 2016$23.4MM$22.6MM
Equity CapitalQ3 2017vs Q3 2016$6.6MM$6.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$385.00K$334.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$343.00K$100.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0

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