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Mcnb Bank And Trust Co.
Welch, WV · FDIC Certificate #6803 · Chartered 07/0
Total assets
$356.50M
Total deposits
$292.24M
Total equity
$41.98M
Net loans
$251.57M
Branches (offices)
7
Net income (YTD)
$1.58M
Rank: #2,222 of 4,213 U.S. banks by assets · #19 of 41 in West Virginia. Assets changed -0.8% and deposits -3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 7.64% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 11.78% |
| Tier 1 leverage ratio | 12.29% |
| Uninsured deposits (share of deposits) | 15.8% |
| Noncurrent loans (share of loans) | 3.22% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 98.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $247.00M | 98.2% | |
| Commercial & industrial | $5.69M | 2.3% | |
| Consumer / individual | $1.80M | 0.7% | |
| Construction & development | $4.89M | 1.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $350.34M | $303.01M | $1.66M | $35.18M |
| Jun 2023 | $359.01M | $299.55M | $868.00K | $35.63M |
| Jun 2024 | $366.33M | $301.42M | $668.00K | $36.84M |
| Jun 2025 | $359.46M | $303.89M | $989.00K | $38.50M |
| Jun 2026 | $356.50M | $292.24M | $1.58M | $41.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $281.87M | 6 |
| Virginia | $10.37M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $292.24M.
Similar-sized banks
The Pauls Valley National Bank ($356.59M) · Hoosier Heartland State Bank ($356.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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