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Banks in West Virginia
The 41 FDIC-insured banks headquartered in West Virginia, their bank failures since 1934 and the largest credit unions. From the FDIC and the NCUA; quarter ending Jun 30, 2026.
- Banks headquartered here
- 41
- Their assets
- $51.8B
- Their deposits
- $42.2B
- Failures since 2000
- 2
- Credit unions
- 74
Every bank headquartered in West Virginia
Ranked by total assets, quarter ending Jun 30, 2026. Banks based elsewhere with branches here are not included.
| # | Bank | Holding company | Assets | Deposits | Equity | Net income, year to date | ROA | ROE | CET1 ratio | Uninsured deposits | Offices |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | WesBanco Bank, Inc.Wheeling, WV | WesBanco | $27.7B | $21.8B | $4.2B | $191.9M | 1.39% | 9.16% | 12.2% | 32% | 219 |
| 2 | City National Bank of West VirginiaCharleston, WV | CITY HOLDING CO | $6.8B | $5.4B | $718.5M | $65.8M | 1.96% | 19.17% | 15.0% | 16% | 97 |
| 3 | MVB Bank, IncFairmont, WV | MVB FINANCIAL CORP | $3.5B | $3.1B | $332.4M | $24.0M | 1.43% | 14.24% | – | 39% | 7 |
| 4 | Clear Mountain BankBruceton Mills, WV | State Bcorp Inc | $1.0B | $887.5M | $118.3M | $8.3M | 1.65% | 14.00% | – | 26% | 11 |
| 5 | Potomac BankCharles Town, WV | POTOMAC BANCSHARES INC | $980.2M | $847.9M | $95.3M | $6.7M | 1.40% | 14.50% | 13.0% | 24% | 9 |
| 6 | Pendleton Community Bank, Inc.Franklin, WV | Allegheny Bancshares Inc | $849.7M | $718.6M | $73.0M | $5.1M | 1.23% | 14.30% | 10.6% | 15% | 17 |
| 7 | CNB Bank, Inc.Berkeley Springs, WV | CNB Financial Services Inc | $805.7M | $652.5M | $68.7M | $4.2M | 1.05% | 12.46% | 14.6% | 23% | 9 |
| 8 | Citizens Bank of West Virginia, Inc.Elkins, WV | Citizens Financial Corp | $772.5M | $678.7M | $79.0M | $7.3M | 1.95% | 19.26% | – | 17% | 9 |
| 9 | Putnam County BankHurricane, WV | Putnam Bancshares Inc | $704.2M | $617.5M | $82.9M | $3.3M | 0.97% | 8.13% | – | 29% | 5 |
| 10 | The Poca Valley Bank, Inc.Walton, WV | The Poca Valley Bankshares Inc | $666.2M | $603.3M | $46.2M | $2.4M | 0.72% | 10.40% | 11.4% | 13% | 9 |
| 11 | Jefferson Security BankShepherdstown, WV | JSB Financial Inc | $566.1M | $522.5M | $39.1M | $2.9M | 1.01% | 15.26% | 13.0% | 20% | 6 |
| 12 | Huntington Federal Savings BankHuntington, WV | – | $532.3M | $422.4M | $83.2M | −$1.0M | −0.38% | −2.47% | – | 7% | 5 |
| 13 | Hancock County Savings Bank, F.S.B.Chester, WV | – | $508.0M | $401.2M | $92.4M | $2.4M | 0.97% | 5.26% | 35.6% | 8% | 3 |
| 14 | Freedom Bank, Inc.Belington, WV | Freedom Bancshares Inc | $429.7M | $380.4M | $46.2M | $3.1M | 1.48% | 13.85% | – | 13% | 9 |
| 15 | Highlands BankPetersburg, WV | Highlands Bankshares Inc | $407.1M | $356.8M | $43.2M | $2.5M | 1.27% | 11.95% | – | 18% | 7 |
| 16 | First Exchange BankWhite Hall, WV | Heritage Bancshares Inc | $391.1M | $356.5M | $31.1M | $1.8M | 0.93% | 11.74% | 12.8% | 14% | 7 |
| 17 | The Bank of RomneyRomney, WV | Romney Bankshares Inc | $368.8M | $283.5M | $60.2M | $2.5M | 1.37% | 8.53% | – | 13% | 7 |
| 18 | Logan Bank & Trust CompanyLogan, WV | Logan County Bancshares Inc | $359.2M | $326.4M | $31.7M | $4.0M | 2.24% | 26.54% | – | 21% | 6 |
| 19 | MCNB Bank and Trust Co.Welch, WV | Mcnb Banks Inc | $356.5M | $292.2M | $42.0M | $1.6M | 0.87% | 7.64% | – | 16% | 8 |
| 20 | Community Bank of ParkersburgParkersburg, WV | Community Bankshares Inc | $340.3M | $262.6M | $31.4M | $2.2M | 1.36% | 14.34% | – | 15% | 4 |
| 21 | The Citizens Bank of WestonWeston, WV | Citizens Bancshares Inc | $302.7M | $267.2M | $32.1M | $2.4M | 1.61% | 15.37% | – | 18% | 2 |
| 22 | West Union BankWest Union, WV | Tri-County Bcorp Inc | $300.3M | $263.7M | $19.9M | $1.5M | 1.03% | 15.83% | 14.0% | 31% | 5 |
| 23 | FNB Bank, Inc.Romney, WV | Eastern Bancshares Inc | $277.9M | $247.8M | $26.0M | $1.4M | 0.99% | 10.79% | – | 21% | 7 |
| 24 | Davis Trust CompanyElkins, WV | Davis Trust Financial Corp | $274.9M | $204.2M | $18.5M | $769.0K | 0.57% | 8.52% | 12.0% | 19% | 2 |
| 25 | The Bank of MonroeUnion, WV | UNION BANKSHARES INC | $255.4M | $224.2M | $30.0M | $1.7M | 1.38% | 12.01% | 21.5% | 16% | 3 |
| 26 | Capon Valley BankWardensville, WV | Highlands Bankshares Inc | $244.2M | $218.4M | $22.7M | $1.4M | 1.16% | 12.46% | – | 17% | 6 |
| 27 | Williamstown Bank, Inc.Williamstown, WV | – | $236.7M | $212.3M | $23.7M | $705.0K | 0.60% | 6.00% | – | 8% | 4 |
| 28 | Calhoun County Bank, Inc.Grantsville, WV | Calhoun Bankshares Inc | $211.7M | $188.3M | $21.6M | $1.5M | 1.38% | 13.75% | – | 24% | 4 |
| 29 | Mountain Valley Bank, N.A.Elkins, WV | Mountain-Valley Bancshares Inc | $201.9M | $175.1M | $26.0M | $1.4M | 1.40% | 11.17% | – | 12% | 4 |
| 30 | Pioneer Community Bank, Inc.Iaeger, WV | Pioneer Community Group Inc | $191.1M | $160.2M | $24.6M | $731.0K | 0.78% | 6.03% | – | 12% | 6 |
| 31 | The Harrison County BankLost Creek, WV | Harrison Bankshares Inc | $164.9M | $150.4M | $14.0M | $622.0K | 0.77% | 8.90% | – | 14% | 4 |
| 32 | First Neighborhood BankSpencer, WV | West-Central Bcorp Inc | $160.6M | $145.3M | $14.1M | $99.0K | 0.25% | 2.79% | – | – | 1 |
| 33 | The Fayette County National Bank of FayettevilleFayetteville, WV | Fcnb Bcorp Inc | $158.1M | $134.8M | $11.1M | $667.0K | 0.85% | 12.05% | – | 34% | 2 |
| 34 | Guaranty Bank Inc.Williamson, WV | – | $152.4M | $126.4M | $20.2M | $200.0K | 0.27% | 1.98% | 18.0% | 7% | 5 |
| 35 | Whitesville State BankWhitesville, WV | Big Coal River Bcorp Inc | $137.6M | $126.3M | $9.7M | $363.0K | 0.53% | 7.61% | – | 23% | 5 |
| 36 | Clay County Bank, Inc.Clay, WV | First Clay County Banc Corp | $135.9M | $116.2M | $19.0M | $850.0K | 1.26% | 9.10% | – | 14% | 2 |
| 37 | The First National Bank of WilliamsonWilliamson, WV | – | $120.3M | $95.9M | $22.8M | −$226.0K | −0.38% | −1.97% | – | 19% | 4 |
| 38 | The First National Bank of PeterstownPeterstown, WV | Peterstown Bcorp Inc | $84.9M | $73.8M | $11.0M | $518.0K | 1.22% | 9.64% | 29.7% | 7% | 2 |
| 39 | The Pleasants County BankSaint Marys, WV | Pleasants Cnty Bankshares Inc | $84.7M | $76.7M | $7.2M | $271.0K | 0.66% | 7.63% | – | 20% | 2 |
| 40 | Citizens Bank of Morgantown, Inc.Morgantown, WV | Morgantown Bancshares Inc | $52.6M | $42.5M | $9.2M | $293.0K | 1.13% | 6.43% | – | 17% | 1 |
| 41 | First Federal Savings & Loan Association of RavenswoodRavenswood, WV | – | $26.3M | $23.5M | $2.8M | $40.0K | 0.30% | 2.91% | 23.2% | 4% | 1 |
Source: FDIC BankFind Suite. Assets, deposits and equity at the end of the latest quarter; net income is year to date. ROA and ROE are annualized returns on assets and equity. CET1 is common equity tier 1 capital as a share of risk-weighted assets. CET1 is blank for banks that do not report it (many small banks use the simpler community bank leverage ratio). Uninsured deposits is the bank's own estimate of the share of deposits above the insurance limit.
Bank failures in West Virginia
19 since 1934; the latest 25.
| Date | Bank | State | Assets | Deposits | Cost to the fund | Acquirer | Resolution |
|---|---|---|---|---|---|---|---|
| Apr 3, 2020 | The First State BankBarboursville, WV | WV | $151.8M | $143.1M | $43.7M | MVB Bank, Inc | Purchase and assumption |
| Sep 19, 2008 | Ameribank, Inc.Northfork, WV | WV | $104.0M | $100.9M | $38.3M | The Citizens Savings Bank | Purchase and assumption |
| Sep 1, 1999 | First NB of KeystoneKeystone, WV | WV | $1.1B | $880.9M | $532.2M | Ameribank, Incorporated | Purchase and assumption, insured deposits |
| May 8, 1992 | Shenandoah FsaMartinsburg, WV | WV | $94.2M | $69.0M | $5.1M | Blue Ridge Bank | Purchase and assumption |
| Sep 13, 1991 | Evergreen FS & LaCharleston, WV | WV | $40.3M | $35.0M | $3.6M | Merchants NB of Montgomery | Purchase and assumption |
| Apr 5, 1991 | The Blueville Bank of GraftonGrafton, WV | WV | $48.1M | $46.9M | $3.8M | The Empire National Bank of | Purchase and assumption |
| Feb 23, 1990 | First Standard Fed. Savings Assoc.Fairmont, WV | WV | $77.6M | $75.6M | $3.7K | Community B&t, NA | Purchase and assumption |
| Feb 23, 1990 | First Federal Sav. Assoc./bluefieldBluefield, WV | WV | $39.3M | $33.2M | $2.6M | First FSB | Purchase and assumption |
| May 12, 1989 | Lewis County Savings and Loan CoWeston, WV | WV | $4.0M | $3.9M | $405.4K | Community Bank & Trust, Nat | Purchase and assumption |
| Feb 10, 1988 | Mountain State FS&LAClarksburg, WV | WV | $91.4M | $100.5M | $21.7M | Traders FS&LA | Open-bank assistanceAssistance |
| Feb 10, 1988 | Magnet Bank FSBCharleston, WV | WV | $547.1M | $418.8M | $115.9M | Traders FS&LA | Open-bank assistanceAssistance |
| Feb 10, 1988 | Traders FS&LAParkersburg, WV | WV | $68.5M | $73.1M | $18.9M | Atlantic Financial Federal | Open-bank assistanceAssistance |
| Oct 23, 1986 | Farmers FS&LARavenswood, WV | WV | $131.3M | $124.7M | $237.6K | Poughkeepsie SB FSB | Open-bank assistanceAssistance |
| Feb 3, 1984 | The Tucker County BankParsons, WV | WV | $15.4M | $14.8M | $2.6M | Citizens NB of Elkins | Purchase and assumption |
| Nov 5, 1982 | The First National Bank of South CharlestoSouth Charleston, WV | WV | $28.6M | $27.7M | $4.6M | Charleston National Bank | Purchase and assumption |
| Sep 12, 1980 | The Metro BK of Huntington, Inc.Huntington, WV | WV | $27.0M | $23.9M | $2.3M | Heritage National Bank | Purchase and assumption |
| Mar 7, 1939 | The Point Pleasant National BankPoint Pleasant, WV | WV | $461.0K | $410.0K | – | – | Payout |
| Nov 1, 1938 | Kermit State BankKermit, WV | WV | $120.0K | $67.0K | – | – | Payout |
| Aug 31, 1937 | Farmers Bank & Trust CompanyCharles Town, WV | WV | $1.3M | $1.4M | – | – | Payout |
Source: FDIC BankFind Suite. Cost to the fund is the FDIC's estimated loss to the deposit insurance fund (earlier funds for older failures). Assets and deposits as of the last report before failure. Assistance transactions kept the bank open with FDIC help.
The largest credit unions in West Virginia
74 credit unions; the largest 25 by assets.
| # | Credit union | Charter | Assets | Members | Loans | Shares and deposits | Net worth ratio | Net income, year to date |
|---|---|---|---|---|---|---|---|---|
| 1 | Bayer HeritageNew Martinsville, WV | Federal | $800.7M | 45,056 | $636.1M | $721.6M | 9.90% | $3.3M |
| 2 | First Choice America CommunityWeirton, WV | Federal | $713.9M | 30,588 | $135.8M | $581.8M | 18.15% | $5.9M |
| 3 | FairmontFairmont, WV | Federal | $603.1M | 45,768 | $382.1M | $542.4M | 9.71% | $2.6M |
| 4 | West Virginia CentralParkersburg, WV | Federal | $341.3M | 24,206 | $229.1M | $295.3M | 13.23% | $1.8M |
| 5 | Pioneer AppalachiaCharleston, WV | Federal | $245.2M | 15,057 | $142.8M | $216.8M | 11.26% | $632.8K |
| 6 | Long ReachMiddlebourne, WV | Federal | $193.2M | 11,104 | $123.9M | $173.8M | 9.91% | $999.4K |
| 7 | Star USACharleston, WV | Federal | $153.0M | 13,509 | $106.7M | $129.0M | 10.61% | $533.1K |
| 8 | West VirginiaSouth Charleston, WV | Federal | $141.6M | 7,121 | $76.8M | $114.2M | 18.52% | $987.7K |
| 9 | PeoplesNitro, WV | Federal | $130.6M | 10,730 | $93.4M | $108.3M | 16.53% | $643.8K |
| 10 | The UnitedMorgantown, WV | Federal | $109.2M | 5,958 | $72.2M | $78.9M | 27.55% | $343.2K |
| 11 | One CommunityParkersburg, WV | Federal | $100.9M | 8,366 | $74.5M | $89.3M | 10.89% | $376.5K |
| 12 | UniversalHuntington, WV | Federal | $99.5M | 5,892 | $26.0M | $85.6M | 13.03% | $226.2K |
| 13 | The StateCharleston, WV | State | $95.3M | 8,441 | $53.9M | $75.7M | 19.12% | $602.9K |
| 14 | Members Choice WVCharleston, WV | Federal | $93.6M | 6,061 | $44.4M | $73.2M | 21.63% | $345.4K |
| 15 | CamcCharleston, WV | Federal | $80.3M | 5,106 | $35.7M | $57.2M | 28.25% | $730.2K |
| 16 | First PriorityHuntington, WV | Federal | $74.8M | 7,137 | $28.3M | $65.3M | 12.49% | $736.1K |
| 17 | 167th TFRMartinsburg, WV | Federal | $72.5M | 7,578 | $10.2M | $64.7M | 10.74% | $502.4K |
| 18 | Wvu EmployeesMorgantown, WV | Federal | $67.8M | 6,081 | $36.0M | $51.6M | 22.84% | $895.2K |
| 19 | Strip Steel CommunityWeirton, WV | Federal | $59.9M | 3,535 | $21.9M | $48.5M | 19.26% | $239.0K |
| 20 | RavenswoodRavenswood, WV | Federal | $53.6M | 5,443 | $17.4M | $48.8M | 8.45% | $57.6K |
| 21 | Metro CommunityHuntington, WV | Federal | $51.7M | 4,702 | $26.4M | $46.2M | 9.30% | $279.6K |
| 22 | WV National GuardCharleston, WV | Federal | $51.6M | 1,798 | $25.2M | $43.8M | 14.81% | $470.1K |
| 23 | ElementCharleston, WV | Federal | $47.3M | 4,375 | $28.6M | $36.6M | 21.80% | $213.2K |
| 24 | Mountain HeritageParkersburg, WV | Federal | $47.0M | 8,671 | $29.0M | $39.9M | 14.52% | $36.1K |
| 25 | HuntingtonizedHuntington, WV | Federal | $46.7M | 4,845 | $26.1M | $38.7M | 16.82% | $201.1K |
Source: NCUA credit union call report data, quarter ending Jun 30, 2026. Names as filed (the NCUA abbreviates them, usually without "Federal Credit Union"). Net income is year to date. The net worth ratio is net worth as a share of assets; 7% or more is "well capitalized".