The catalogue › United States › Southeast › West Virginia
The state note · prepared 7 September 2026

West Virginia

40 banks and 74 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

40 banks filing · read from the 30 June 2026 Call Report
40
banks filing
$51.7B in assets
+5.3%
Loans, year over year
median; 8 above 10%, 8 shrinking
20.7%
CRE / loans
median
83.4%
Loans / deposits
median
0.44%
NPA / loans
median
10.4%
Equity / assets
median

West Virginia's 40 banks hold $51.7B in assets at 30 June 2026. Wesbanco Bank Inc is the largest at $27.7B, and the five largest hold 77% of the total; 4 institutions are above $1B, holding $39.0B.

Loans grew a median +5.3% in the year to 30 June 2026: 8 institutions grew faster than 10% and 8 shrank. The median bank lends 83% of its deposits and holds commercial real estate at 20.7% of loans. Nonperforming loans sit at a median 0.44% of the book, return on assets at 1.09%, and equity at 10.4% of assets.

5 of the 40 are in the catalogue, each read from its own filing beside the banks its size in the state: Wesbanco Bank Inc, City National Bank of West Virginia, MVB Bank Inc, Potomac Bank, Pendleton Community Bank Inc.

Who holds the state's assetseach institution's share of the $51.7B the state's 40 hold; the largest first, amber in the catalogue
Wesbanco Bank Inc: 53.7%WB54%City National Bank of West Virginia: 13.1%CN13%MVB Bank Inc: 6.8%MBClear Mountain Bank: 2.0%Potomac Bank: 1.9%Pendleton Community Bank Inc: 1.6%CNB Bank Inc: 1.6%Citizens Bank of West Va Inc: 1.5%Putnam County Bank: 1.4%Poca Valley Bank Inc: 1.3%30 others 15%WBWesbanco Bank Inc53.7%CNCity National Bank of…13.1%MBMVB Bank Inc6.8%CMClear Mountain Bank2.0%PBPotomac Bank1.9%PCPendleton Community B…1.6%CBCNB Bank Inc1.6%CBCitizens Bank of West…1.5%PCPutnam County Bank1.4%PVPoca Valley Bank Inc1.3%

Wesbanco Bank Inc holds 53.7% of the state's bank assets; the five largest hold 77%, and 4 of the 40 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestWesbanco Bank Inc: 54% of the totalThe five largest77% of the totalThe ten largest85% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 77% of the assets in 13% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end31.7%$11.5BNonfarm nonresidential, non-owner-occupied20.6%$7.5BNonfarm nonresidential, owner-occupied12.2%$4.4BCommercial & industrial11.0%$4.0BConstruction & land6.9%$2.5BMultifamily6.7%$2.4BHome equity lines4.9%$1.8BAuto2.1%$778MConsumer, other1.1%$401MStates & municipalities1.1%$398MOther loans and leases0.9%$311MFarmland0.6%$234MAgricultural production0.1%$35MCredit card0.1%$18M

1-4 family residential, closed-end is the largest category at 31.7% of the state's $36.3B in loans, then Nonfarm nonresidential, non-owner-occupied at 20.6% and Nonfarm nonresidential, owner-occupied at 12.2%.

Loans, year over yearWest Virginia banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 40 · amber, in the catalogue
state median +5.3% FB Freedom Bank Inc +148.2% PC Pleasants County Bank +15.9% MB MVB Bank Inc +15.0% CB Citizens Bank of West Va Inc +13.1% CV Capon Valley Bank +11.8% WU West Union Bank +11.2% CB CNB Bank Inc +10.6% PC Pendleton Community Bank Inc +10.3% DT Davis Trust Co. +9.6% FN First National Bank of Williamson +9.3% WS Whitesville State Bank +9.3% CM Clear Mountain Bank +9.0% PV Poca Valley Bank Inc +8.0% CC Calhoun County Bank Inc +7.4% CB Citizens Bank Morgantown Inc +7.3% Bo Bank of Monroe +7.3% PC Pioneer Community Bank Inc +6.9% GC Grant County Bank +6.6% MV Mountain Valley Bank N A +6.1% JS Jefferson Security Bank +5.3% Bo Bank of Romney +5.2% PB Potomac Bank +4.4% CN City National Bank of West Virgin… +3.9% LB Logan Bank & Trust Co. +3.6% WB Wesbanco Bank Inc +3.1%

Freedom Bank Inc grew fastest at +148.2%; 8 grew faster than 10% and 8 shrank, First National Bank of Peterstown the most at -3.5%. The median is +5.3%.

Commercial real estate, share of loansWest Virginia banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 40 · amber, in the catalogue
state median 20.7% MB MCNB Bank & Trust Co. 56.2% GB Guaranty Bank Inc 44.5% MB MVB Bank Inc 43.9% WB Wesbanco Bank Inc 39.6% FB Freedom Bank Inc 39.2% WU West Union Bank 39.1% PB Potomac Bank 38.5% FN First National Bank of Williamson 31.2% PC Putnam County Bank 30.5% CN City National Bank of West Virgin… 30.4% Bo Bank of Monroe 28.7% PC Pleasants County Bank 28.4% CB Citizens Bank of Weston 27.1% JS Jefferson Security Bank 26.7% Bo Bank of Romney 26.4% CB CNB Bank Inc 25.4% CV Capon Valley Bank 24.7% CM Clear Mountain Bank 23.0% PC Pendleton Community Bank Inc 22.6% MV Mountain Valley Bank N A 22.0% GC Grant County Bank 19.4% FE First Exchange Bank 18.0% CB Community Bank of Parkersburg 17.6% FC Fayette Cnty National Bank Fayett… 17.2% PV Poca Valley Bank Inc 16.8%

MCNB Bank & Trust Co. is the most CRE-weighted at 56.2% of loans; 3 of the 40 are above 40%, against a median of 20.7%.

Commercial real estate against capital, the 300% screenWest Virginia banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 40 · amber, in the catalogue
state median 128% 300% screen MB MCNB Bank & Trust Co. 317% MB MVB Bank Inc 312% PB Potomac Bank 276% WB Wesbanco Bank Inc 268% FB Freedom Bank Inc 254% GB Guaranty Bank Inc 239% JS Jefferson Security Bank 210% WU West Union Bank 209% PC Pendleton Community Bank Inc 206% CN City National Bank of West Virgin… 206% CV Capon Valley Bank 187% PC Pleasants County Bank 184% CB CNB Bank Inc 179% CB Citizens Bank of Weston 179% PC Putnam County Bank 158% PV Poca Valley Bank Inc 156% CB Community Bank of Parkersburg 147% GC Grant County Bank 137% FE First Exchange Bank 137% CM Clear Mountain Bank 131% Bo Bank of Monroe 125% Bo Bank of Romney 119% FN First National Bank of Williamson 108% WB Williamstown Bank Inc 108% MV Mountain Valley Bank N A 102%

2 of the 40 banks sit above the 300% screen, MCNB Bank & Trust Co. the highest at 317% of capital; the median is 128%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenWest Virginia banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 40 · amber, in the catalogue
state median 24% 100% screen CV Capon Valley Bank 120% Bo Bank of Romney 88% GC Grant County Bank 66% PC Pendleton Community Bank Inc 65% CB CNB Bank Inc 65% JS Jefferson Security Bank 60% WB Wesbanco Bank Inc 59% MB MVB Bank Inc 56% PV Poca Valley Bank Inc 53% CM Clear Mountain Bank 52% PC Putnam County Bank 46% DT Davis Trust Co. 42% PB Potomac Bank 38% GB Guaranty Bank Inc 36% FB Freedom Bank Inc 35% WB Williamstown Bank Inc 31% PC Pleasants County Bank 29% CB Community Bank of Parkersburg 28% CB Citizens Bank of Weston 25% LB Logan Bank & Trust Co. 24% CB Citizens Bank Morgantown Inc 23% WS Whitesville State Bank 21% FC Fayette Cnty National Bank Fayett… 21% Bo Bank of Monroe 19% FB FNB Bank Inc 17%

1 of the 40 bank sits above the 100% construction screen, Capon Valley Bank the highest at 120%; the median is 24%.

Loans to depositsWest Virginia banks, 30 June 2026 · listed highest first · the 25 highest of 40 · amber, in the catalogue
state median 83% DT Davis Trust Co. 110% HC Hancock County Savings Bank FSB 108% CB Community Bank of Parkersburg 102% PC Pendleton Community Bank Inc 99% Bo Bank of Romney 95% CB Citizens Bank Morgantown Inc 93% GB Guaranty Bank Inc 93% PB Potomac Bank 91% CB Citizens Bank of West Va Inc 90% WB Wesbanco Bank Inc 90% CB CNB Bank Inc 90% WB Williamstown Bank Inc 89% PC Pioneer Community Bank Inc 88% MB MCNB Bank & Trust Co. 87% GC Grant County Bank 87% CM Clear Mountain Bank 86% FN First National Bank of Williamson 85% FB FNB Bank Inc 85% FF First Federal Savings & Loan Asso… 84% PV Poca Valley Bank Inc 84% CN City National Bank of West Virgin… 83% FE First Exchange Bank 83% FB Freedom Bank Inc 82% CV Capon Valley Bank 82% CB Citizens Bank of Weston 81%

3 of the 40 lend more than they hold in deposits, Davis Trust Co. the furthest at 110%; the median is 83%.

Nonperforming loans, share of loansWest Virginia banks, 30 June 2026 · listed highest first · the 25 highest of 40 · amber, in the catalogue
state median 0.44% MB MCNB Bank & Trust Co. 3.22% FN First National Bank of Williamson 2.78% GB Guaranty Bank Inc 2.48% FE First Exchange Bank 2.10% Bo Bank of Romney 1.73% FN First National Bank of Peterstown 1.47% CV Capon Valley Bank 1.27% MB MVB Bank Inc 1.18% FF First Federal Savings & Loan Asso… 1.11% CB Citizens Bank of Weston 1.09% GC Grant County Bank 0.91% WB Wesbanco Bank Inc 0.86% PC Pendleton Community Bank Inc 0.85% DT Davis Trust Co. 0.66% WS Whitesville State Bank 0.65% HC Hancock County Savings Bank FSB 0.63% CC Calhoun County Bank Inc 0.58% CB Citizens Bank of West Va Inc 0.58% LB Logan Bank & Trust Co. 0.45% FB FNB Bank Inc 0.45% HC Harrison County Bank 0.42% CB Community Bank of Parkersburg 0.40% WB Williamstown Bank Inc 0.37% PV Poca Valley Bank Inc 0.37% FB Freedom Bank Inc 0.36%

MCNB Bank & Trust Co. carries the most nonperforming loans at 3.22% of the book; 10 of the 40 are above 1%, and the median is 0.44%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.20%0.40%0.60%0.80%1.00%1.20%1.40%1.60%1.80%NPA / loansAllowance / loansCBCitizens Bank Morgantown Inc+1.87%CCClay County Bank Inc+1.46%PCPutnam County Bank+1.17%WUWest Union Bank+1.17%JSJefferson Security Bank+1.11%CMClear Mountain Bank+1.06%FCFayette Cnty National Bank Fayett…+1.06%CBCNB Bank Inc+1.02%MVMountain Valley Bank N A+0.99%PBPotomac Bank+0.94%BoBank of Monroe+0.94%PCPleasants County Bank+0.90%CCCalhoun County Bank Inc+0.74%HCHarrison County Bank+0.67%PCPioneer Community Bank Inc+0.66%FBFreedom Bank Inc+0.61%CBCommunity Bank of Parkersburg+0.54%HFHuntington FSB+0.52%FBFNB Bank Inc+0.52%HCHancock County Savings Bank FSB+0.48%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 8 of the 40 hold an allowance smaller than their nonperforming loans.

Return on assetsWest Virginia banks, 30 June 2026 · listed highest first · the 25 highest of 40 · amber, in the catalogue
state median 1.09% LB Logan Bank & Trust Co. 2.24% CN City National Bank of West Virgin… 1.92% CB Citizens Bank of West Va Inc 1.91% CM Clear Mountain Bank 1.62% CB Citizens Bank of Weston 1.60% FB Freedom Bank Inc 1.47% MB MVB Bank Inc 1.40% WB Wesbanco Bank Inc 1.39% MV Mountain Valley Bank N A 1.38% CB Community Bank of Parkersburg 1.38% Bo Bank of Monroe 1.36% CC Calhoun County Bank Inc 1.35% Bo Bank of Romney 1.34% PB Potomac Bank 1.34% GC Grant County Bank 1.28% CC Clay County Bank Inc 1.25% PC Pendleton Community Bank Inc 1.22% FN First National Bank of Peterstown 1.18% CV Capon Valley Bank 1.15% CB Citizens Bank Morgantown Inc 1.13% CB CNB Bank Inc 1.04% WU West Union Bank 1.00% JS Jefferson Security Bank 1.00% FB FNB Bank Inc 0.98% HC Hancock County Savings Bank FSB 0.95%

Logan Bank & Trust Co. earns the most at 2.24% and Huntington FSB the least at -0.39%; 4 of the 40 earn under 0.50%, and the median is 1.09%.

The efficiency ratio, with the return beside itWest Virginia banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 40 · amber, in the catalogue
state median 64.9% LB Logan Bank & Trust Co. 44.8% ROA 2.24% CB Citizens Bank of West Va Inc 47.2% ROA 1.91% CN City National Bank of West Virgin… 48.1% ROA 1.92% CB Citizens Bank of Weston 50.1% ROA 1.60% WB Wesbanco Bank Inc 52.9% ROA 1.39% PC Putnam County Bank 55.6% ROA 0.95% Bo Bank of Romney 57.0% ROA 1.34% CM Clear Mountain Bank 57.6% ROA 1.62% Bo Bank of Monroe 58.3% ROA 1.36% WU West Union Bank 58.9% ROA 1.00% CC Calhoun County Bank Inc 60.2% ROA 1.35% PB Potomac Bank 60.9% ROA 1.34% MV Mountain Valley Bank N A 61.8% ROA 1.38% FB Freedom Bank Inc 62.2% ROA 1.47% PC Pendleton Community Bank Inc 63.3% ROA 1.22% CC Clay County Bank Inc 63.8% ROA 1.25% CB CNB Bank Inc 64.2% ROA 1.04% GC Grant County Bank 64.2% ROA 1.28% JS Jefferson Security Bank 64.2% ROA 1.00% MB MVB Bank Inc 64.3% ROA 1.40% HC Hancock County Savings Bank FSB 65.6% ROA 0.95% FC Fayette Cnty National Bank Fayett… 66.1% ROA 0.83% FN First National Bank of Peterstown 66.9% ROA 1.18% CV Capon Valley Bank 68.0% ROA 1.15% CB Community Bank of Parkersburg 68.8% ROA 1.38%

Logan Bank & Trust Co. runs the leanest at 44.8% of revenue in cost; 7 of the 40 spend more than 80 cents of every revenue dollar, and the median is 64.9%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Wesbanco Bank Inc$27.7B+3.1%39.6%90%0.86%1.39%15.2%
City National Bank of West Virginia$6.8B+3.9%30.4%83%0.22%1.92%10.6%
MVB Bank Inc$3.5B+15.0%43.9%79%1.18%1.40%9.5%
Clear Mountain Bank$1.0B+9.0%23.0%86%0.30%1.62%11.5%
Potomac Bank$980M+4.4%38.5%91%0.08%1.34%9.7%
Pendleton Community Bank Inc$850M+10.3%22.6%99%0.85%1.22%8.6%
CNB Bank Inc$806M+10.6%25.4%90%0.09%1.04%8.5%
Citizens Bank of West Va Inc$772M+13.1%11.4%90%0.58%1.91%10.2%
Putnam County Bank$704M+2.3%30.5%73%0.00%0.95%11.8%
Poca Valley Bank Inc$666M+8.0%16.8%84%0.37%0.71%6.9%
Jefferson Security Bank$566M+5.3%26.7%80%0.01%1.00%6.9%
Huntington FSB$532M+1.9%14.9%69%0.29%-0.39%15.6%
Hancock County Savings Bank FSB$508M+1.7%3.0%108%0.63%0.95%18.2%
Freedom Bank Inc$430M+148.2%39.2%82%0.36%1.47%10.7%
Grant County Bank$407M+6.6%19.4%87%0.91%1.28%10.6%
Five years, 2021 to 2026the 40 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$22.5B$36.3B+62%
Deposits, in total$29.9B$42.1B+41%
NPA / loans, median0.54%0.44%-0.11 pts
Efficiency, median67.9%64.9%-2.9 pts
ROA, median0.91%1.09%+0.18 pts

Small-business lending

SBA 7(a) approvals into West Virginia since FY2008, across every lender type

$903M of 7(a) credit has been approved into West Virginia since FY2008 across 3,046 loans. Accommodation & food services is the largest category at 27.6%, Other services at 11.2%, Retail trade at 10.6%; the three together are 49% of the money. The heaviest losses fall in Retail trade, at 6.02% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 141 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
TH The Huntington National Bank 22.2% $200M · 1,153 loans LO Live Oak Banking Company 5.8% $52M · 48 loans MB MVB Bank, Inc. 5.4% $49M · 172 loans G Gbank 4.4% $39M · 13 loans CT Community Trust Bank, Inc. 3.9% $36M · 93 loans TB Truist Bank 3.9% $35M · 223 loans CM Clear Mountain Bank, Inc. 3.4% $31M · 156 loans First Western SBLC LLC 3.2% $29M · 11 loans PB Peoples Bank 2.6% $24M · 88 loans CB Citizens Bank of West Virginia, I… 2.0% $18M · 77 loans JC JPMorgan Chase Bank, National Ass… 1.9% $17M · 95 loans PB Potomac Bank 1.4% $12M · 35 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services29.2%$249M · 426 loansOther services11.8%$101M · 345 loansRetail trade11.2%$96M · 425 loansHealth care & social assistance9.0%$77M · 332 loansManufacturing8.6%$73M · 164 loansProfessional & technical services8.4%$72M · 235 loansConstruction7.9%$67M · 351 loansWholesale trade3.2%$27M · 80 loansReal estate & leasing2.8%$24M · 54 loansTransportation & warehousing2.8%$24M · 205 loansArts, entertainment & recreation2.6%$22M · 115 loansAdministrative & waste services2.6%$22M · 119 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$249M42627.6%$4M1.60%
Other services$101M34511.2%$862K0.85%
Retail trade$96M42510.6%$6M6.02%
Health care & social assistance$77M3328.5%$1M1.35%
Manufacturing$73M1648.1%$1M1.93%
Professional & technical services$72M2357.9%$383K0.53%
Construction$67M3517.4%$1M1.62%
Wholesale trade$27M803.0%$1M4.43%
Real estate & leasing$24M542.6%$0K0.00%
Transportation & warehousing$24M2052.6%$722K3.07%
Arts, entertainment & recreation$22M1152.5%$245K1.09%
Administrative & waste services$22M1192.4%$344K1.56%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Kanawha$120M38143
Monongalia$98M35931
Cabell$75M24628
Berkeley$56M11940
Harrison$55M22623
Wood$51M14621
Jefferson$39M7233
Marion$36M13523
Randolph$28M11510
Raleigh$27M8024

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any West Virginia institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in West Virginia

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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