Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Potomac Bank
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Potomac Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 50 (stronger) | 49 |
| Loan quality | 81 | 97 (stronger) |
| Earnings | 98 (stronger) | 76 |
| Funding & liquidity | 69 (stronger) | 59 |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 57th | 53rd |
| Total assets | $772.5M | $980.2M |
| Deposits / shares | $678.7M | $847.9M |
| Capital ratio | 10.00% (stronger) | 9.85% |
| Problem loans | 0.58% | 0.08% (stronger) |
| Net charge-offs | 0.38% | 0.07% (stronger) |
| Return on assets | 1.95% (stronger) | 1.40% |
| Loans ÷ deposits | 89.1% (stronger) | 90.5% |
| Uninsured deposits | 16.8% (stronger) | 24.5% |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.4% |
Citizens Bank of West Virginia, Inc. has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of West Virginia, Inc. leads on 5 and Potomac Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.