$366M
+1.9%y/y
Percentile by value20th percentileby value
FDIC
ASSETMB
MCNB Bank and Trust Co.
Welch, West VirginiaFDIC Cert #6803
STATEEstablished 19008 branches
Holding company: MCNB BANKS INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMCNB Bank and Trust Co. reported $366M in total assets. Deposits declined 1.03% over the prior year.
Return on assets was 0.74%, compared with the official FFIEC UBPR peer median of 1.30%. The leverage ratio was 12.18%.
- Why is Total Assets below its official FFIEC UBPR peers?
- Why is Efficiency Ratio above its official FFIEC UBPR peers?
- Why is Return on Assets below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$301M
−1.0%y/y
Percentile by value15th percentileby value
FDIC
DEP$255M
−0.3%y/y
Percentile by value27th percentileby value
FDIC
LNLSNET0.74%
+28 bpsy/y
Peer standing16th percentile
FDIC
NETINC + ROA75.31%
−842 bpsy/y
Peer standing15th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.18%
+58 bpsy/y
Peer standing75th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,278 ffiec ubpr peer group 5 — insured commercial banks having assets between $300 million and $1 billion.
Side-by-side comparison
MCNB Bank and Trust Co. beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.74%
Registry median
1.30%
This bank
6.54%
FFIEC trimmed average
13.04%
This bank
3.50%
Registry median
3.89%
This bank
75.31%
Registry median
61.20%
This bank
−1.03%
FFIEC trimmed average
+4.71%
This bank
−0.27%
FFIEC trimmed average
+6.25%
This bank
1.10%
FFIEC trimmed average
0.64%
This bank
12.18%
FFIEC trimmed average
10.94%
This bank
2.49%
Registry median
2.43%
This bank
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.74%
Registry median
1.02%
This bank
6.54%
FFIEC trimmed average
10.18%
This bank
3.50%
Registry median
3.94%
This bank
75.31%
Registry median
66.74%
This bank
−1.03%
FFIEC trimmed average
+4.40%
This bank
−0.27%
FFIEC trimmed average
+5.48%
This bank
1.10%
FFIEC trimmed average
0.68%
This bank
12.18%
FFIEC trimmed average
11.18%
This bank
2.49%
Registry median
2.20%
This bank
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $339M | $290M |
| Q3 2021 | $345M | $295M |
| Q4 2021 | $349M | $299M |
| Q1 2022 | $350M | $302M |
| Q2 2022 | $350M | $303M |
| Q3 2022 | $355M | $303M |
| Q4 2022 | $358M | $305M |
| Q1 2023 | $362M | $306M |
| Q2 2023 | $359M | $300M |
| Q3 2023 | $360M | $294M |
| Q4 2023 | $361M | $294M |
| Q1 2024 | $363M | $304M |
| Q2 2024 | $366M | $301M |
| Q3 2024 | $362M | $298M |
| Q4 2024 | $360M | $301M |
| Q1 2025 | $359M | $305M |
| Q2 2025 | $359M | $304M |
| Q3 2025 | $363M | $296M |
| Q4 2025 | $363M | $295M |
| Q1 2026 | $366M | $301M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $17M |
| Investor CRE | $116M |
| Multifamily | $22.8M |
| Construction | $6.89M |
| 1–4 family | $83M |
| C&I | $6.16M |
| Agriculture | $4.6M |
| Other | $1.61M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.74%16th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDIC
NETINC + ROE6.54%12th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDIC
NIM + NIMY3.50%28th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR75.31%15th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDIC
DEP−1.03%15th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDIC
LNLSNET−0.27%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.10%74th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDIC
RBC1AAJ12.18%74th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.57%90th 14.35%Observations 1,278
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.49%46th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 174%90th 319%Observations 754
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.74%27th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.46%Median 1.02%90th 1.45%Observations 38
ROE
FDIC
NETINC + ROE6.54%23rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.09%Median 10.64%90th 15.46%Observations 38
NIM
FDIC
NIM + NIMY3.50%22nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 3.94%90th 4.47%Observations 38
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR75.31%27th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.60%Median 66.74%90th 84.09%Observations 38
Deposits YoY
FDIC
DEP−1.03%12th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.07%Median +3.79%90th +12.08%Observations 38
Loans YoY
FDIC
LNLSNET−0.27%15th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.97%Median +5.56%90th +11.96%Observations 38
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.10%74th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.07%Median 0.39%90th 1.84%Observations 38
Leverage
FDIC
RBC1AAJ12.18%69th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.58%Median 10.48%90th 14.17%Observations 38
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.49%30th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.20%90th 2.88%Observations 38
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 71%Median 174%90th 264%Observations 15
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 8 branches
- Headquarters
- Welch, WV
FDIC
OFFDOMOpen the West Virginia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data