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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Morgantown, WV · FDIC certificate #22954
CITIZENS BK MORGANTOWN INC is an FDIC-insured institution based in Morgantown, WV (FDIC certificate #22954). In its Q3 2026 Call Report it reported total assets of $54M, total deposits of $45M and net loans of $41M. Its primary federal regulator is FDIC.
Plain-language readout
CITIZENS BK MORGANTOWN INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $54M in Q3 2026 and were lowest at $52M in Q1 2026.
Total deposits were highest at $45M in Q3 2026 and lowest at $42M in Q1 2026.
Over the whole period total assets rose 3.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $54M | $45M | $41M | 1.27% | 7.30% | 4.98% |
| Q2 2026 | $53M | $43M | $39M | 1.13% | 6.43% | 4.93% |
| Q1 2026 | $52M | $42M | $37M | 0.90% | 5.17% | 4.86% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.4M | $2.4M | -$925K | -39.1% |
| 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) | $10.0M | $10.0M | -$5K | -0.1% |
| 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) | $39.0M | $37.3M | +$1.6M | +4.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $672K | $676K | -$4K | -0.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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 | $1.5M | $1.5M | -$16K | -1.0% |
| Total assets | $52.6M | $51.9M | +$690K | +1.3% |
| Liabilities | ||||
| Total deposits | $42.5M | $42.1M | +$460K | +1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $200K | $0K | +$200K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $619K | $754K | -$135K | -17.9% |
| Total liabilities | $43.3M | $42.8M | +$525K | +1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $60K | $60K | $0K | 0.0% |
| Surplus | $1.1M | $1.1M | $0K | 0.0% |
| Retained earnings | $8.6M | $8.4M | +$148K | +1.8% |
| Accumulated other comprehensive income | -$490K | -$507K | +$17K | +3.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.2M | $9.1M | +$165K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $37K | $140K | -$103K | -73.6% |
| Adjusted nonperforming assets | $37K | $140K | -$103K | -73.6% |
| Tangible equity plus allowance | $10.0M | $9.9M | +$170K | +1.7% |
| Texas ratio (gross) | 0.37% | 1.42% | -1.05 pts | See points |
| Texas ratio (adjusted) | 0.37% | 1.42% | -1.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.30% | Not reported | Not reported | 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) | 18.79% | 18.61% | +0.18 pts | See points |
| Construction and land loans to total capital | 21.14% | 15.89% | +5.25 pts | See points |
| Commercial real estate to total capital | 31.39% | 27.00% | +4.39 pts | See points |
| Dividend payout, year to date | 9.56% | 0.00% | +9.56 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.55% | -7.93% | +0.38 pts | See points |
| Liquidity | ||||
| Core deposits | $37.9M | $37.6M | +$272K | +0.7% |
| Non-core funding | $4.8M | $4.4M | +$388K | +8.8% |
| Loans to core deposits | 104.85% | 101.24% | +3.61 pts | See points |
| Loans to deposits | 93.48% | 90.59% | +2.89 pts | See points |
| Brokered deposits share of deposits | 2.36% | 0.00% | +2.36 pts | See points |
| Pledged securities share of securities | 10.00% | 10.05% | -0.05 pts | See points |
| Loans pledged, share of loans | 70.54% | 75.01% | -4.47 pts | See points |
| Volatile liabilities | $4.8M | $4.4M | +$388K | +8.8% |
| Earnings | ||||
| Earnings before provision, year to date | $387K | $158K | +$229K | +144.9% |
| Earnings before provision, single quarter | $229K | $158K | +$71K | +44.9% |
| Provision for credit losses, year to date | $10K | $5K | +$5K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.72% | 6.55% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 15.33% | 8.89% | +6.44 pts | See points |
| Total interest income to average assets | 5.69% | 5.47% | +0.22 pts | See points |
| Cost of interest-bearing transaction accounts | 0.45% | 0.44% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.34% | 1.43% | -0.09 pts | See points |
| Cost of time deposits | 2.05% | 2.00% | +0.05 pts | See points |
| Total interest expense to average assets | 0.98% | 0.95% | +0.03 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 | $54M | $45M | $41M | 1.27% | 7.30% | 4.98% |
| 2026-06-30 | $53M | $43M | $39M | 1.13% | 6.43% | 4.93% |
| 2026-03-31 | $52M | $42M | $37M | 0.90% | 5.17% | 4.86% |
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 | $42.3M | 0.09% | 64 | Continuing · +0.00 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.