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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 55th largest bank in the state of West Virginia. It is also the 5,291st largest bank in the nation. It was established in 1902 and as of September of 2016, it had grown to 18 employees at 3 locations. Miners & Merchants Bank has a B+ health rating.

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Health
B+
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 - YTD0.5%
Return on Equity - YTD3.28%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$55.0MM$52.4MM
LoansQ3 2016vs Q3 2015$16.6MM$16.8MM
DepositsQ3 2016vs Q3 2015$46.4MM$43.9MM
Equity CapitalQ3 2016vs Q3 2015$8.6MM$8.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$203.00K$194.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$619.00K$512.00K
Real Estate OwnedQ3 2016vs Q3 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