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Overview / Commentary
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 5,385th largest bank in the nation. It was established in 1902 and as of March of 2016, it had grown to 19 employees at 3 locations. Miners & Merchants Bank 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. Miners & Merchants Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #13018
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD4.84%
Annual Interest Income$396.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$55.6MM$54.6MM
LoansQ1 2016vs Q1 2015$17.3MM$17.0MM
DepositsQ1 2016vs Q1 2015$47.1MM$46.2MM
Equity CapitalQ1 2016vs Q1 2015$8.5MM$8.3MM
Loan Loss AllowanceQ1 2016vs Q1 2015$202.00K$198.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$469.00K$416.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0

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