Side-by-side · Q2 2026 data
Citizens Bank of West Virginia, Inc. vs Putnam County Bank
Metric by metric
| Measure | Citizens Bank of West Virginia, Inc. | Putnam County Bank |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 50 | 73 (stronger) |
| Loan quality | 81 | 100 (stronger) |
| Earnings | 98 (stronger) | 59 |
| Funding & liquidity | 69 | 72 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $772.5M | $704.2M |
| Deposits / shares | $678.7M | $617.5M |
| Capital ratio | 10.00% | 12.32% (stronger) |
| Problem loans | 0.58% | 0.00% (stronger) |
| Net charge-offs | 0.38% | -0.03% (stronger) |
| Return on assets | 1.95% (stronger) | 0.97% |
| Loans ÷ deposits | 89.1% | 72.1% (stronger) |
| Uninsured deposits | 16.8% (stronger) | 29.3% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.7% |
Putnam County Bank has the higher TellerScore (80 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 Putnam County Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.