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BDI
CB

Citizens Bank of West Virginia, Inc.

Elkins, West VirginiaFDIC Cert #6760

STATEEstablished 19249 branches

Holding company: CITIZENS FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.87%
+11.3%y/y
Peer standing32nd percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
0.49%
+52.7%y/y
Peer standing41st percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
0.49%
+51.9%y/y
Peer standing47th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.43%
+17.2%y/y
Peer standing42nd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$3.34M
+32.2%y/y
Peer standing32nd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.72%
+77.8%y/y
Peer standing3rd percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
$1M
+80.9%y/y
Peer standing2nd percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.02%
+7.6%y/y
Percentile by value23rd percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$5.09M
+20.5%y/y
Peer standing17th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$2.86M
+65.3%y/y
Peer standing30th percentile
Peer standing in ubpr:primary:5
FDICNAASSET