MCNB Bank and Trust Co. is a state-chartered bank headquartered in Welch, West Virginia, in business for about 126 years. At the end of Q2 2026 it reported $356.5M in total assets and $292.2M in deposits, with 8 offices across 2 states.
MCNB Bank and Trust Co. has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 39th. Capital cushion contributes the most (73/100, 12.29%); loan quality contributes the least (0/100, 3.22%).
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 fell 24 points (74 → 50), mostly because the loan quality component weakened by 96 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 64 |
| Q1 2026 | 67 |
| Q2 2026 | 50 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.66% |
| Q3 2024 | 11.60% |
| Q4 2024 | 11.54% |
| Q1 2025 | 11.60% |
| Q2 2025 | 11.79% |
| Q3 2025 | 11.96% |
| Q4 2025 | 12.10% |
| Q1 2026 | 12.18% |
| Q2 2026 | 12.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.19% |
| Q4 2025 | 1.33% |
| Q1 2026 | 1.10% |
| Q2 2026 | 3.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $356.5M | 12.29% | 3.22% | 0.87% | 86.1% |
| Q1 2026 | 67 | $365.5M | 12.18% | 1.10% | 0.74% | 84.6% |
| Q4 2025 | 64 | $362.7M | 12.10% | 1.33% | 0.62% | 84.7% |
| Q3 2025 | 74 | $362.9M | 11.96% | 0.19% | 0.57% | 86.7% |
| Q2 2025 | 74 | $359.5M | 11.79% | 0.11% | 0.55% | 84.5% |
| Q1 2025 | 73 | $358.8M | 11.60% | 0.10% | 0.45% | 84.0% |
| Q4 2024 | 71 | $360.4M | 11.54% | 0.07% | 0.30% | 86.5% |
| Q3 2024 | 71 | $361.9M | 11.60% | 0.10% | 0.33% | 87.9% |
| Q2 2024 | 71 | $366.3M | 11.66% | 0.16% | 0.37% | 88.2% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Logan Bank & Trust CompanyBank Logan, WV | 85 out of 100, Very strong | $359.2M | 11.7% | 0.45% | vs |
| The Bank of RomneyBank Romney, WV | 74 out of 100, Strong | $368.8M | 16.0% | 1.73% | vs |
| Community Bank of ParkersburgBank Parkersburg, WV | 70 out of 100, Strong | $340.3M | 9.9% | 0.40% | vs |
| First Exchange BankBank White Hall, WV | 49 out of 100, Below average | $391.1M | 9.0% | 2.10% | vs |
| Highlands BankBank Petersburg, WV | 69 out of 100, Moderate | $407.1M | 11.0% | 0.91% | vs |
| The Citizens Bank of WestonBank Weston, WV | 71 out of 100, Strong | $302.7M | 10.9% | 1.09% | vs |
Deposit insurance
Is my money safe at MCNB Bank and Trust Co.?
Yes. MCNB Bank and Trust Co. is an FDIC-insured institution (FDIC certificate #6803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.8% of deposits ($46.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.29%, 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%).
8 locations
Branches
MCNB Bank and Trust Co. lists 6 offices in 6 cities across 2 states. Most locations:
- Beckley, WV (1)
- Bluefield, WV (1)
- Daniels, WV (1)
- Princeton, WV (1)
- Richlands, VA (1)
- Welch, WV (1)
HMDA 2025
Mortgage lending
In 2025, MCNB Bank and Trust Co. reported 45 home-loan applications under HMDA (LEI 549300JRZJXS01TP9N73): 35 originated ($10,525,000 total), 3 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- MCNB Bank and Trust Co.
- Former names
- McDowell County National Bank in Welch; MCNB Bank, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 6803
- RSSD ID
- 20633
- Primary regulator
- FDIC
- Holding company
- McNb Banks Inc
- Established
- July 1, 1900
- Headquarters
- 75 Wyoming St, Welch, WV 24801
- Website
- www.mcnbbanks.com
- Employees
- 62
Quick answers
MCNB Bank and Trust Co.: common questions
Is MCNB Bank and Trust Co. FDIC insured?
Yes. MCNB Bank and Trust Co. is an FDIC-insured institution (FDIC certificate #6803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is MCNB Bank and Trust Co.'s TellerScore?
50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has MCNB Bank and Trust Co. ever failed?
There is no failure record for FDIC certificate #6803 in the FDIC failed bank list.
How many branches does MCNB Bank and Trust Co. have?
8 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Welch
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| McDowell County Federal Credit UnionCredit union Welch, WV | 88 out of 100, Very strong | $68K | 23.6% | 0.00% | vs |
| Logan Bank & Trust CompanyBank Logan, WV | 85 out of 100, Very strong | $359.2M | 11.7% | 0.45% | vs |
| Pioneer Community Bank, Inc.Bank Iaeger, WV | 79 out of 100, Strong | $191.1M | 13.6% | 0.29% | vs |
| New Peoples Bank, Inc.Bank Honaker, VA | 76 out of 100, Strong | $942.5M | 11.2% | 0.45% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |