Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs First Community Bank
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | First Community Bank |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 50 | 52 (stronger) |
| Loan quality | 81 (stronger) | 77 |
| Earnings | 98 | 100 (stronger) |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $772.5M | $3.6B |
| Deposits / shares | $678.7M | $3.0B |
| Capital ratio | 10.00% | 10.23% (stronger) |
| Problem loans | 0.58% (stronger) | 0.70% |
| Net charge-offs | 0.38% | 0.17% (stronger) |
| Return on assets | 1.95% | 2.05% (stronger) |
| Loans ÷ deposits | 89.1% | 79.9% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 21.3% |
| Offices | 9 | 62 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.8% |
First Community Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 2 and First Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Buckhannon, WV
- New Martinsville, WV