$258M
−0.2%y/y
Percentile by value27th percentileby value
FDIC
LNLSGRMB
MCNB Bank and Trust Co.
Welch, West VirginiaFDIC Cert #6803
STATEEstablished 19008 branches
Holding company: MCNB BANKS INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$255M
−0.3%y/y
Percentile by value27th percentileby value
FDIC
LNLSNET−0.27%
+93.8%y/y
Percentile by value18th percentileby value
FDIC
LNLSNET84.6%
+0.8%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET + DEP69.8%
−2.1%y/y
Percentile by value53rd percentileby value
FDIC
LNLSNET + ASSET98.54%
+0.7%y/y
Percentile by value93rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCDashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,191points
+7.8%y/y
Peer standing11th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD6.61%
−6.8%y/y
Percentile by value20th percentileby value
FDIC
LNRENROW + LNLSGR44.87%
+12.5%y/y
Percentile by value99th percentileby value
FDIC
LNRENROT + LNLSGR2.39%
−22.8%y/y
Percentile by value5th percentileby value
FDIC
LNCI + LNLSGR