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The Lender Report built this page from public records. Citizens Bank of West Virginia, Inc. has not reviewed it. Every lender's page starts this way, and it says nothing about Citizens Bank of West Virginia, Inc. itself. Each figure shows its source and date. Work at Citizens Bank of West Virginia, Inc.? You can claim this page for free.
Bank, Elkins, WV
Citizens Bank of West Virginia, Inc.
A bank based in Elkins, WV. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent SBA 7(a) loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $199M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 10
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $772M
- FDIC call report,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.citizenswv.comFrom the FDIC record, November 9, 2026.
- Names it files under
- Citizens Bank of West Virginia, IncFDIC institution record,
- Address
- 211 3rd St, Elkins, WV 26241FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. Citizens Bank of West Virginia, Inc.'s Owner-occupied CRE balance rose 52.1% to $80.7M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 0 closed, 1 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 10 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 57.5% to $80.7M in the year to June 30, 2026. Includes loans from acquiring Miners & Merchants Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 54.3% to $55.6M in the year to June 30, 2026. Includes loans from acquiring Miners & Merchants Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 51.9% to $47.3M in the year to June 30, 2026. Includes loans from acquiring Miners & Merchants Bank in the window, so growth reflects the acquisition as well as new lending.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 296.8% to $45.8M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| March 20, 2026 | Acquired Miners & Merchants Bank on March 20, 2026.FDIC structure history. | FDIC history, |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| May 2026 | West Virginia | SBA 7(a), Limited-Service Restaurants | $300K | 7.25% | 25 yr | SBA FOIA | |
| Sep 2025 | West Virginia | SBA 7(a), Limited-Service Restaurants | $63K | 9.5% | 5 yr | SBA FOIA | |
| Jan 2025 | West Virginia | SBA 7(a), Retail Trade | $300K | 7.75% | 25 yr | SBA FOIA | |
| Nov 2024 | West Virginia | SBA 7(a), Retail Trade | $100K | 10% | 10 yr | SBA FOIA | |
| Oct 2024 | West Virginia | SBA 7(a), Offices of Mental Health Practitioners (except Physicians) | $180K | 9% | 20 yr | SBA FOIA | |
| Oct 2024 | West Virginia | SBA 7(a), Other Services (except Public Administration) | $150K | 9.5% | 6 yr | SBA FOIA | |
| Sep 2024 | West Virginia | SBA 7(a), Transportation and Warehousing | $500K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2024 | West Virginia | SBA 7(a), Site Preparation Contractors | $430K | 9.5% | 7 yr | SBA FOIA | |
| Aug 2024 | West Virginia | SBA 7(a), Mobile Food Services | $120K | 10% | 7 yr | SBA FOIA | |
| Oct 2023 | West Virginia | SBA 7(a), All Other Professional, Scientific, and Technical Services | $200K | 10% | 5 yr | SBA FOIA | |
| 10 SBA 7(a) loans since October 2023, net of cancelled | $2.34M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $6.12M | 1.0% | +104.5% |
| Construction and land development | $7.75M | 1.3% | +222.5% |
| Owner-occupied CRE | $80.7M | 13.2% | +57.5% |
| Non-owner-occupied CRE | $55.6M | 9.1% | +54.3% |
| Farmland | $1.09M | 0.2% | Not reported |
| Commercial and industrial | $47.3M | 7.8% | +51.9% |
| Commercial total | $199M |
Includes loans from acquiring Miners & Merchants Bank in the window, so growth reflects the acquisition as well as new lending.
Reference only: $104M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $100M |
| Q4 2023 | $108M |
| Q1 2024 | $110M |
| Q2 2024 | $116M |
| Q3 2024 | $120M |
| Q4 2024 | $122M |
| Q1 2025 | $122M |
| Q2 2025 | $125M |
| Q3 2025 | $135M |
| Q4 2025 | $145M |
| Q1 2026 | $152M |
| Q2 2026 | $199M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 10 | $2.34M | $188K | $500K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $300K | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number.
Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Citizens Bank of West Virginia, Inc. reported commitments to fund construction loans that had not been drawn at June 30, 2026: $610,000 for 1-4 family residential construction and $45,239,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $11,907,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 209 | $4.49M |
| Over $100,000 up to $250,000 | 71 | $8.00M |
| Over $250,000 up to $1 million | 49 | $16.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 112 | $5.41M |
| Over $100,000 up to $250,000 | 113 | $15.5M |
| Over $250,000 up to $1 million | 101 | $34.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 7 | $217K |
| Over $100,000 up to $250,000 | 4 | $447K |
| Over $250,000 up to $500,000 | 3 | $422K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 2 | $21.0K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| West Virginia HQ | 8 | 10 | 0 | ||
| Maryland | 1 | 0 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Citizens Bank of West Virginia, Inc. has 9 offices in 7 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 9 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Randolph County, WV | 2 | 0 |
| Tucker County, WV | 2 | 0 |
| Garrett County, MD | 1 | 0 |
| Grant County, WV | 1 | 0 |
| Pocahontas County, WV | 1 | 0 |
| Upshur County, WV | 1 | 0 |
| Wetzel County, WV | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $12.4M | $5.20M to $21.6M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 84.2% | 121.7% to 277.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 9.4% | 15.6% to 65.5% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 90.0% | 72.9% to 102.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $45.8M | $2.00M to $48.4M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 296.8% from a year earlier. | FDIC call report, |
| Loans to assets | 79.1% | 63.9% to 83.8% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- SBA Express
- 10 loans
- Approval to first disbursement
- 15.5 days, median of 10
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| CNB Bank, Inc. | WV | $806M | $233M |
| Clear Mountain Bank | WV | $1.03B | $336M |
| Potomac Bank | WV | $980M | $491M |
| Pendleton Community Bank, Inc. | WV | $850M | $272M |
| The Poca Valley Bank, Inc. | WV | $666M | $177M |
| Putnam County Bank | WV | $704M | $188M |
| First Exchange Bank | WV | $391M | $108M |
| Community Bank of Parkersburg | WV | $340M | $85.8M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Citizens Bank of West Virginia, Inc., FDIC certificate 6760. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $772M in total assets and $199M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 10 recorded loans from SBA files, through September 30, 2026: 10 SBA 7(a) in 36 months. Each has its source and date. [How each file was tied to Citizens Bank of West Virginia, Inc.]
- Phone and website. No phone number is on record. Website citizenswv.com, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 6760
- RSSD
- 481627
- LEI
- 25490096BHAI44L0RE11
- The Lender Report ID
- lr_001895
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $772.5M in total assets as of June 30, 2026 (FDIC call report).
- Held $198.6M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $80.7M of owner-occupied commercial real estate loans as of June 30, 2026, up 57.5% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $55.6M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 54.3% from a year earlier, including loans acquired in a merger (FDIC call report).
- Held $47.3M of commercial and industrial loans as of June 30, 2026, up 51.9% from a year earlier, including loans acquired in a merger (FDIC call report).
- Recorded 10 SBA 7(a) approvals totaling $2.3M from October 1, 2023 to September 30, 2026 (SBA).
4 more sentences
- Listed 9 offices in 2 states (FDIC).
- Held 329 commercial and industrial loans that were $1 million or less when made, with a balance of $29.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 326 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $55.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $610K for 1-4 family and $45.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Citizens Bank of West Virginia, Inc., https://lender.report/lender/citizens-bank-of-west-virginia-wv/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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Work at Citizens Bank of West Virginia, Inc.? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem