$583M
+8.3%y/y
Percentile by value87th percentileby value
FDIC
LNLSGRCB
Citizens Bank of West Virginia, Inc.
Elkins, West VirginiaFDIC Cert #6760
STATEEstablished 19249 branches
Holding company: CITIZENS FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $53.1M |
| Investor CRE | $41M |
| Multifamily | $4.61M |
| Construction | $4.66M |
| 1–4 family | $103M |
| C&I | $47.1M |
| Agriculture | $1.14M |
| Other | $329M |
Loan book
Reported balances and balance-sheet intensity.
$578M
+8.2%y/y
Percentile by value87th percentileby value
FDIC
LNLSNET+8.23%
+1,289.1%y/y
Percentile by value64th percentileby value
FDIC
LNLSNET83.9%
−4.2%y/y
Percentile by value58th percentileby value
FDIC
LNLSNET + DEP74.5%
−4.1%y/y
Percentile by value67th percentileby value
FDIC
LNLSNET + ASSET37.92%
+6.9%y/y
Percentile by value2nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
64%
+11.7%y/y
Percentile by value15th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC6%
+139.1%y/y
Percentile by value10th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC514points
+18.4%y/y
Peer standing100th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD9.10%
−4.3%y/y
Percentile by value34th percentileby value
FDIC
LNRENROW + LNLSGR7.03%
+5.5%y/y
Percentile by value25th percentileby value
FDIC
LNRENROT + LNLSGR8.07%
+48.5%y/y
Percentile by value41st percentileby value
FDIC
LNCI + LNLSGR