The Citizens Bank of Weston: how it compares with its peers
Against 22 WV banks with half to twice its assets, The Citizens Bank of Weston's strongest measure in Q2 2026 is assets per employee ($7.2M vs. a $5.3M peer median). Its weakest relative measure is net interest margin (4.25% vs. 3.95%).
| Measure | The Citizens Bank of Weston | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.00% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.25% | 3.95% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.13% | 67.03% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $5.3M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.41% | 81.45% | Context |
What it means for lending operations
Its efficiency ratio of 50.13% is better than the 67.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- West Union Bank West Union, WV · $300M
- FNB Bank, Inc. Romney, WV · $278M
- Davis Trust Company Elkins, WV · $275M
- Community Bank of Parkersburg Parkersburg, WV · $340M
- The Bank of Monroe Union, WV · $255M
- MCNB Bank and Trust Co. Welch, WV · $357M
Questions about The Citizens Bank of Weston
How big is The Citizens Bank of Weston?
The Citizens Bank of Weston, established in 1891, is headquartered in Weston, WV. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Citizens Bank of Weston's return on assets?
1.61% annualized in Q2 2026, against a 1.00% median for 22 WV banks with half to twice its assets, ahead of 95% of them.
What is The Citizens Bank of Weston's efficiency ratio?
50.13% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 67.03%, and lower is better.
Is The Citizens Bank of Weston growing its loans?
Net loans shrank 0.4% over the year to Q2 2026, while deposits grew 6.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.