Bank · FDIC insured
Citizens Bank of West Virginia
A $772.5M bank headquartered in Elkins, WV, with 9 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.00%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank of West Virginia
- Headquarters
- 211 3rd St, Elkins, WV 26241
- FDIC certificate
- 6760 ↗
Branches
9 branches in 2 states
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West Virginia
8 branches
Elkins area · 1
- Citizens Bank of West Virginia, Inc.Main office211 3rd St, Elkins, WV 26241Directions
Bayard area · 1
- Front Street BranchFront St, Bayard, WV 26707Directions
Beverly area · 1
- Tygart Valley Branch248 Main St, Beverly, WV 26253Directions
Buckhannon area · 1
- Buckhannon Office Branch66 W Main St, Buckhannon, WV 26201Directions
New Martinsville area · 1
- New Martinsville Branch425 3rd St, New Martinsville, WV 26155Directions
Parsons area · 1
- Tucker County Branch224 Walnut St, Parsons, WV 26287Directions
Slatyfork area · 1
- Snowshoe Branch1 Citizens Plaza, Slatyfork, WV 26291Directions
Thomas area · 1
- Miners & Merchants Bank Branch16000 Appalachian Highway, Thomas, WV 26292Directions
Maryland
1 branch
- Oakland Maryland Branch13164 Garrett Hwy, Oakland, MD 21550Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.58% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.95% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio10.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.58%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.95%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank of West Virginia are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.