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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Weston, WV · FDIC certificate #19674
CITIZENS BANK OF WESTON is an FDIC-insured institution based in Weston, WV (FDIC certificate #19674). In its Q3 2026 Call Report it reported total assets of $305M, total deposits of $270M and net loans of $215M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BANK OF WESTON has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $305M in Q3 2026 and were lowest at $299M in Q1 2026.
Total deposits were highest at $270M in Q3 2026 and lowest at $264M in Q1 2026.
Over the whole period total assets rose 1.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $305M | $270M | $215M | 1.64% | 15.64% | 4.33% |
| Q2 2026 | $303M | $267M | $215M | 1.61% | 15.37% | 4.25% |
| Q1 2026 | $299M | $264M | $213M | 1.57% | 15.10% | 4.10% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $26.4M | $28.2M | -$1.9M | -6.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $57.8M | $54.4M | +$3.4M | +6.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $214.8M | $213.2M | +$1.7M | +0.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $913K | $911K | +$2K | +0.2% |
| Other real estate owned | $181K | $181K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $2.6M | $2.5M | +$69K | +2.7% |
| Total assets | $302.7M | $299.5M | +$3.3M | +1.1% |
| Liabilities | ||||
| Total deposits | $267.2M | $264.3M | +$2.8M | +1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $1.6M | $1.7M | -$61K | -3.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.8M | $2.0M | -$193K | -9.5% |
| Total liabilities | $270.6M | $268.0M | +$2.6M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $3.0M | $3.0M | $0K | 0.0% |
| Retained earnings | $29.9M | $29.1M | +$790K | +2.7% |
| Accumulated other comprehensive income | -$877K | -$811K | -$66K | -8.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $32.1M | $31.4M | +$724K | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.5M | $4.1M | -$1.6M | -38.1% |
| Adjusted nonperforming assets | $2.5M | $4.1M | -$1.6M | -38.1% |
| Tangible equity plus allowance | $35.0M | $34.2M | +$827K | +2.4% |
| Texas ratio (gross) | 7.26% | 12.02% | -4.76 pts | See points |
| Texas ratio (adjusted) | 7.26% | 12.02% | -4.76 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 7.26% | 12.02% | -4.76 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.91% | 10.87% | +0.04 pts | See points |
| Construction and land loans to total capital | 22.60% | 19.79% | +2.81 pts | See points |
| Commercial real estate to total capital | 164.44% | 164.86% | -0.42 pts | See points |
| Dividend payout, year to date | 36.75% | 37.17% | -0.41 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.43% | -2.21% | -0.22 pts | See points |
| Liquidity | ||||
| Core deposits | $245.7M | $242.4M | +$3.3M | +1.4% |
| Non-core funding | $23.1M | $23.6M | -$554K | -2.3% |
| Loans to core deposits | 88.61% | 89.10% | -0.49 pts | See points |
| Loans to deposits | 81.49% | 81.70% | -0.21 pts | See points |
| Brokered deposits share of deposits | 0.37% | 0.38% | -0.00 pts | See points |
| Pledged securities share of securities | 40.72% | 45.99% | -5.28 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $23.1M | $23.6M | -$554K | -2.3% |
| Earnings | ||||
| Earnings before provision, year to date | $3.4M | $1.6M | +$1.7M | +106.2% |
| Earnings before provision, single quarter | $1.7M | $1.6M | +$101K | +6.2% |
| Provision for credit losses, year to date | $216K | $105K | +$111K | +105.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.95% | 6.83% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 4.12% | 3.35% | +0.77 pts | See points |
| Total interest income to average assets | 5.94% | 5.73% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 1.36% | 1.32% | +0.04 pts | See points |
| Cost of savings and money market deposits | 1.68% | 1.67% | +0.01 pts | See points |
| Cost of time deposits | 3.69% | 3.72% | -0.04 pts | See points |
| Total interest expense to average assets | 1.70% | 1.74% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $305M | $270M | $215M | 1.64% | 15.64% | 4.33% |
| 2026-06-30 | $303M | $267M | $215M | 1.61% | 15.37% | 4.25% |
| 2026-03-31 | $299M | $264M | $213M | 1.57% | 15.10% | 4.10% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WV | $251.5M | 0.53% | 34 | Continuing · +0.06 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.