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Overview / Commentary
304-463-4155
172 East Ave
Thomas, WV 26292

Miners & Merchants Bank is headquartered in Thomas and is the 54th largest bank in the state of West Virginia. It is also the 5,266th largest bank in the nation. It was established in 1902 and as of December of 2016, it had grown to 18 employees at 3 locations. Miners & Merchants Bank has a B health rating.

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Health
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. Miners & Merchants Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #13018
Year Established1902
Employees18
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD2.7%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$53.6MM$56.1MM
LoansQ4 2016vs Q4 2015$17.0MM$17.3MM
DepositsQ4 2016vs Q4 2015$45.1MM$47.6MM
Equity CapitalQ4 2016vs Q4 2015$8.5MM$8.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$200.00K$200.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$514.00K$587.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates

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Locations


Miners & Merchants Bank Locations
Oakland Maryland Branch13164 Garrett HighwayOakland, MD 21550
Miners & Merchants Bank172 East AveThomas, WV 26292
Front Street BranchFront StreetBayard, WV 26707