The Citizens Bank of Weston (FDIC certificate #19674) is based in Weston, West Virginia. Its Q2 2026 call report shows $302.7M in total assets and $267.2M in deposits and 2 offices.
The Citizens Bank of Weston has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 19th. Problem-loan coverage contributes the most (85/100, 7.3%); capital cushion contributes the least (59/100, 10.91%).
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 2 points (73 → 71), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 69 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 72 |
| Q1 2026 | 63 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.54% |
| Q3 2024 | 10.39% |
| Q4 2024 | 10.38% |
| Q1 2025 | 10.73% |
| Q2 2025 | 10.65% |
| Q3 2025 | 10.61% |
| Q4 2025 | 10.56% |
| Q1 2026 | 10.87% |
| Q2 2026 | 10.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.85% |
| Q1 2026 | 1.82% |
| Q2 2026 | 1.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.52% |
| Q1 2026 | 1.57% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $302.7M | 10.91% | 1.09% | 1.61% | 80.4% |
| Q1 2026 | 63 | $299.4M | 10.87% | 1.82% | 1.57% | 80.6% |
| Q4 2025 | 72 | $299.2M | 10.56% | 0.85% | 1.52% | 79.6% |
| Q3 2025 | 73 | $299.6M | 10.61% | 0.70% | 1.59% | 80.8% |
| Q2 2025 | 73 | $291.0M | 10.65% | 0.59% | 1.53% | 85.8% |
| Q1 2025 | 74 | $285.5M | 10.73% | 0.44% | 1.41% | 85.8% |
| Q4 2024 | 73 | $273.5M | 10.38% | 0.42% | 1.41% | 86.3% |
| Q3 2024 | 69 | $288.8M | 10.39% | 0.82% | 1.34% | 84.6% |
| Q2 2024 | 72 | $274.1M | 10.54% | 0.49% | 1.33% | 89.5% |
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 |
|---|---|---|---|---|---|
| West Union BankBank West Union, WV | 70 out of 100, Strong | $300.3M | 8.7% | 0.13% | vs |
| FNB Bank, Inc.Bank Romney, WV | 70 out of 100, Strong | $277.9M | 10.6% | 0.45% | vs |
| Davis Trust CompanyBank Elkins, WV | 53 out of 100, Below average | $274.9M | 8.5% | 0.66% | vs |
| Community Bank of ParkersburgBank Parkersburg, WV | 70 out of 100, Strong | $340.3M | 9.9% | 0.40% | vs |
| The Bank of MonroeBank Union, WV | 85 out of 100, Very strong | $255.4M | 13.2% | 0.34% | vs |
| MCNB Bank and Trust Co.Bank Welch, WV | 50 out of 100, Below average | $356.5M | 12.3% | 3.22% | vs |
Deposit insurance
Is my money safe at The Citizens Bank of Weston?
Yes. The Citizens Bank of Weston is an FDIC-insured institution (FDIC certificate #19674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.9% of deposits ($47.8M) 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 10.91%, 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%).
2 locations
Branches
The Citizens Bank of Weston lists 2 offices in 2 cities. Most locations:
- Jane Lew, WV (1)
- Weston, WV (1)
Identity & history
Profile
- Legal name
- The Citizens Bank of Weston
- Type
- State-chartered bank
- FDIC certificate #
- 19674
- RSSD ID
- 639633
- Primary regulator
- FDIC
- Holding company
- Citizens Bancshares Inc
- Established
- December 23, 1891
- Headquarters
- 201 Main Ave, Weston, WV 26452
- Website
- www.citzensbankweston.com
- Employees
- 42
Quick answers
The Citizens Bank of Weston: common questions
Is The Citizens Bank of Weston FDIC insured?
Yes. The Citizens Bank of Weston is an FDIC-insured institution (FDIC certificate #19674). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank of Weston's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Citizens Bank of Weston ever failed?
There is no failure record for FDIC certificate #19674 in the FDIC failed bank list.
How many branches does The Citizens Bank of Weston have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Weston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Harrison County Federal Credit UnionCredit union Nutter Fort, WV | 91 out of 100, Very strong | $15.6M | 18.4% | 0.14% | vs |
| Hope Federal Credit UnionCredit union Bridgeport, WV | 89 out of 100, Very strong | $43.3M | 19.9% | 0.38% | vs |
| City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV | 83 out of 100, Strong | $8.2M | 14.2% | 0.02% | vs |
| Clear Mountain BankBank Bruceton Mills, WV | 83 out of 100, Strong | $1.0B | 13.1% | 0.30% | vs |
| Freedom Bank, Inc.Bank Belington, WV | 78 out of 100, Strong | $429.7M | 11.4% | 0.36% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |