# CITIZENS BANK OF WESTON
WESTON, WV · FDIC certificate 19674 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $302.7M | |
| Deposits | $267.2M | |
| Loans and leases | $217.7M | |
| Total equity | $32.1M | |
| Loans / deposits | 80.41% (p47 of band) | 82.04% |
| Liquid assets / assets | 27.81% (p58 of band) | |
| Uninsured deposits / deposits | 17.89% (p22 of band) | 25.97% |
| Brokered deposits | 0.33% | |
| Wholesale funding | 0.86% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.91% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -2.50% (p76 of band) | -8.10% |
| AOCI / equity | -0.39% (p47 of band) | |
| ROA (annualized) | 1.61% (p71 of band) | 1.28% |
| Net interest margin | 4.25% (p70 of band) | 3.91% |
| Efficiency ratio | 50.13% (p19 of band) | |
| Noncurrent loans | 1.09% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.19% (p91 of band) | |
| Reserve coverage of noncurrent | 122.43% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 25.25% (p31 of band) | |
| Auto loans | $6.4M (2.92% of loans; DQ 1.81%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 0 |  | capital falling, reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | reserve under noncurrent | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2022-12 | 1 |  | AOCI drag >20% of equity, noncurrent p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2023-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2026-06 | 1 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [WDTV & Citizens Bank of Weston present nearly $68,000 in checks for Lewis and Upshur flood relief - WDTV 5](https://news.google.com/rss/articles/CBMizgFBVV95cUxNeWxmVEJRVnltY0FMaEJ1a1JITmF4WjlUMjJiNTJ3ZkNHaTY0a2pjQ2xyb3hDZy1YZVl0c3hIcnVXU2RVbHRaRG5ZejUyUDVxbFJVVkFfVjgzRERUQ1Fhb3R3bnpBc1owdXU2SWZ4Uk5pQlh5T3AxdWJCdzNOcV9ucGJXWXRBRm1la3hMTW9tTW9SVkE4dnRBaWlNYWRjeDA1MlE2aF9ZTHgyekExMDFIb3h1U0VlS3ZnSGVCZW95UEdhUDhZNmVSRnRoZllSdw?oc=5) · WDTV 5
- 2019-01-16 [Citizens Bank of Weston, WV, has been providing quality service for over 100 years, adapts to change - WV News](https://news.google.com/rss/articles/CBMihwJBVV95cUxQZV9PbGZCQzBaNnZYeDFNZEdXX25Tc1hmTlNubW1TLTlFYjNpTjloNDU0RDVRVldjQjk3VGZMWVUwdTZjX0FEaklTbldYMzhHR09EaWFrbkVsQjhTM201UElSOURWb2ZqRXFpNzR2TGJaczNzT3MzeHVVWVU5SmZseGZ2VUV3Y254TVdOV2NCMHF5Z184ZEF1bHpha194aGUtN2treENsX3hBSzZpZU91VmhpOXVEUGdBOHlsZUwwNFN2Yy1PU01mWkFWQkJVVXhubFVNakgtb1lxNHJ1OVJsVWkwcVBnZHZ1VHpuZXFRNkRfb1k3R0x3YTk3WGZIcXZSVFhucVAxSQ?oc=5) · WV News
- 2021-11-17 [Mon Health Stonewall Jackson Memorial Hospital CAO Kevin Stalnaker named Chamber Businessman of Year - My Buckhannon](https://news.google.com/rss/articles/CBMiygFBVV95cUxOZ2F3dXYxYWlsZG4tME16dkpFRmUyQTQ5d04xTEVmNVphV2hicTl4N0lmZ1lFRmtKSFk4NzFZVVNDQTF5Wk9sbFg5U1BLX3BaZkJkWEpQaXI0OE1abS1jOVg5MURuMC03UHlYOVJoWkFBc0tyX0dUWVo5OXdoNkduaWxCVHJSM1F0Q0QzZEhQMW9MbUkxUmZWY2lVUXpvVHVCRlpZZVBzTHB4MVpUUlBBdXVUVFE5Tjd6T3lma2txWGttVENBTWhHX2x3?oc=5) · My Buckhannon
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-10-23 [Lewis County Farm Bureau holds 100th annual dinner meeting | Local Weston News - WV News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNdEZpemk5X2hIODhPTzM4R1ZGdTRjRmpibnF2aXN1UXB6ZExXZEJEZWZsRHVDTVMtMThSY2tCZjE4dUNvOFBoUjVlY3ZnRUNGdTNScm5kbEgxWXlHNlBOWG9ZdDBELV9RaFZrdW85Y3Bma04xSm92LW1Nbmwtd0J6Y0VFaXRVdk5iR2xhVG1YRTVrbk55T1NQNFJQSWxVc0J5SXcxRHpINW5EekRGSFFzQXpXai1tVWV6U0M5VFBMWkcweXRUSXJQRXNBNDZMS0Jpd2JzU2I2TjhwNHM3NlFyS1JaZEY3YmJteWNVODNR?oc=5) · WV News
- 2023-08-07 [Richard “Dick” Sturm | Weston Obituaries - WV News](https://news.google.com/rss/articles/CBMisgFBVV95cUxNdV9qamZHRlREaWw3akFadHhCQmdodHp4ZWg5bHVNbDlJMGhJbEhjRFI1ZE82eGp4VWw1eFpDU0NQYktyOFRLUVRod3ZmN3hvcWlJN3FRN0F6MnJxZ3B3cjRkTVJKazE0bG44QjQ4S0hybEdGbFozWW50UVBTRExFMnI1SllDb1FCQXk4TWh2UG1BTTNoOWw0ZWhMRm5iX3BzOXV1UGFhRDZLRllVSmx5a3NB?oc=5) · WV News
- 2026-07-22 [UPDATE: Flood victims can now pick up supplies from Jenkins Ford in Buckhannon - WDTV 5](https://news.google.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?oc=5) · WDTV 5
- 2021-04-26 [William “Tracey” Weber, Jr. | Weston Obituaries - WV News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQcGMydTRCc05zcjk1dlZEaDlaY3IxSUZvQlo5bVhRc2lHR1RJaUZVVFpLOXlMb1VMbUF1SF90dTk0VHk1TVBGYkFzeVhHMjlOV010NXdZOUEzbm1KdkFMTDNYS28yRG5wOE1FMUxiNnBrWWg5eW5sTTVYX21WQXV4MVpScFRBejZXNWpHcEFLeXpHeVd3WlBfTlp0WVE2a0NFdjVzX3RoTTJfVDBxRUJhZzJ3UF81VnNU?oc=5) · WV News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19674 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "19674", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide