Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Mountain Valley Bank, N.A.
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Mountain Valley Bank, N.A. |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 50 | 86 (stronger) |
| Loan quality | 81 | 94 (stronger) |
| Earnings | 98 (stronger) | 76 |
| Funding & liquidity | 69 | 87 (stronger) |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 57th | 91st |
| Total assets | $772.5M | $201.9M |
| Deposits / shares | $678.7M | $175.1M |
| Capital ratio | 10.00% | 13.65% (stronger) |
| Problem loans | 0.58% | 0.19% (stronger) |
| Net charge-offs | 0.38% | 0.02% (stronger) |
| Return on assets | 1.95% (stronger) | 1.40% |
| Loans ÷ deposits | 89.1% | 72.9% (stronger) |
| Uninsured deposits | 16.8% | 11.6% (stronger) |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mountain Valley Bank, N.A. has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 1 and Mountain Valley Bank, N.A. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elkins, WV
- Parsons, WV