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MCNB Bank and Trust Co.

Welch, West VirginiaFDIC Cert #6803

STATEEstablished 19008 branches

Holding company: MCNB BANKS INCRegulator: 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 %
2.69%
+1,308.8%y/y
Peer standing5th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.08%
+60.7%y/y
Peer standing20th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
1.01%
+1,965.7%y/y
Peer standing25th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
1.10%
+980.6%y/y
Peer standing26th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.86%
+325.3%y/y
Peer standing24th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$3.15M
+333.3%y/y
Peer standing34th 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
0.02%
+2.8%y/y
Peer standing34th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
$16K
0.0%y/y
Peer standing36th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.06%
+2.4%y/y
Percentile by value27th percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$6.93M
+1,305.3%y/y
Peer standing9th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$218K
+60.3%y/y
Peer standing23rd percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$2.62M
+1,960.6%y/y
Peer standing31st percentile
Peer standing in ubpr:primary:5
FDICNAASSET