Citizens Bank of Morgantown, Inc. is a state-chartered bank headquartered in Morgantown, West Virginia, in business for about 47 years. At the end of Q2 2026 it reported $52.6M in total assets and $42.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Citizens Bank of Morgantown, Inc. scores 87/100, which we describe as very strong. That is higher than 84% of 546 banks with under $100 million in assets. Among 40 banks headquartered in West Virginia, it ranks 3rd. Its strongest component is capital cushion (100/100; 18.79%), and its lowest is earnings (65/100; 1.13%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (82 → 87), mostly because the loan quality component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 82 |
| Q1 2025 | 86 |
| Q2 2025 | 82 |
| Q3 2025 | 80 |
| Q4 2025 | 82 |
| Q1 2026 | 84 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.58% |
| Q3 2024 | 17.70% |
| Q4 2024 | 17.78% |
| Q1 2025 | 18.14% |
| Q2 2025 | 17.99% |
| Q3 2025 | 17.94% |
| Q4 2025 | 18.42% |
| Q1 2026 | 18.61% |
| Q2 2026 | 18.79% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.69% |
| Q1 2025 | 1.04% |
| Q2 2025 | 0.92% |
| Q3 2025 | 0.92% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $52.6M | 18.79% | 0.09% | 1.13% | 91.6% |
| Q1 2026 | 84 | $51.9M | 18.61% | 0.37% | 0.90% | 88.7% |
| Q4 2025 | 82 | $51.6M | 18.42% | 0.60% | 1.06% | 90.1% |
| Q3 2025 | 80 | $52.2M | 17.94% | 0.82% | 0.92% | 84.6% |
| Q2 2025 | 82 | $51.2M | 17.99% | 0.59% | 0.92% | 85.8% |
| Q1 2025 | 86 | $51.3M | 18.14% | 0.31% | 1.04% | 85.8% |
| Q4 2024 | 82 | $50.0M | 17.78% | 0.31% | 0.69% | 88.9% |
| Q3 2024 | 76 | $50.9M | 17.70% | 0.80% | 0.54% | 90.9% |
| Q2 2024 | 74 | $50.2M | 17.58% | 1.06% | 0.46% | 88.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings & Loan Association of RavenswoodBank Ravenswood, WV | 58 out of 100, Moderate | $26.3M | 10.4% | 1.11% | vs |
| The Pleasants County BankBank Saint Marys, WV | 71 out of 100, Strong | $84.7M | 9.4% | 0.00% | vs |
| The First National Bank of PeterstownBank Peterstown, WV | 77 out of 100, Strong | $84.9M | 13.9% | 1.47% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Morgantown, Inc.?
Yes. Citizens Bank of Morgantown, Inc. is an FDIC-insured institution (FDIC certificate #22954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($7.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Citizens Bank of Morgantown, Inc. lists 1 office in 1 city. Most locations:
- Morgantown, WV (1)
Identity & history
Profile
- Legal name
- Citizens Bank of Morgantown, Inc.
- Former names
- Citizens Industrial Financing Corporation
- Type
- State-chartered bank
- FDIC certificate #
- 22954
- RSSD ID
- 897237
- Primary regulator
- FDIC
- Holding company
- Morgantown Bancshares Inc
- Established
- September 20, 1979
- Headquarters
- 265 High St, Morgantown, WV 26505
- Website
- www.citizensbankwv.com
- Employees
- 10
Quick answers
Citizens Bank of Morgantown, Inc.: common questions
Is Citizens Bank of Morgantown, Inc. FDIC insured?
Yes. Citizens Bank of Morgantown, Inc. is an FDIC-insured institution (FDIC certificate #22954). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Morgantown, Inc.'s TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of Morgantown, Inc. ever failed?
There is no failure record for FDIC certificate #22954 in the FDIC failed bank list.
How many branches does Citizens Bank of Morgantown, Inc. have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Morgantown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wvu Employees Federal Credit UnionCredit union Morgantown, WV | 97 out of 100, Very strong | $67.8M | 22.8% | 0.23% | vs |
| Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA | 91 out of 100, Very strong | $19.8M | 14.3% | 0.41% | vs |
| Fayette County School Employees Credit UnionCredit union Uniontown, PA | 90 out of 100, Very strong | $22.2M | 20.0% | 0.89% | vs |
| Marion County School Employees Federal Credit UnionCredit union Fairmont, WV | 89 out of 100, Very strong | $9.9M | 20.7% | 0.53% | vs |
| Clear Mountain BankBank Bruceton Mills, WV | 83 out of 100, Strong | $1.0B | 13.1% | 0.30% | vs |
| Chessie Federal Credit UnionCredit union Cumberland, MD | 83 out of 100, Strong | $434.4M | 13.8% | 0.82% | vs |