Mcnb Bank&Trust Co
Welch, West Virginia · FDIC Cert #6803
Mcnb Bank&Trust Co is an FDIC-insured bank (Certificate #6803) with $366M in total assets and $301M in total deposits as of the Q2 2024 Call Report. Headquartered in Welch, West Virginia, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.16%. BankHealthData assigns a composite Health Grade of D (49/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Mcnb Bank&Trust Co (FDIC cert 6803) is a community bank — $366M in total assets, $301M in deposits, serving the Welch, West Virginia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.16% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 21.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.45% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Mcnb Bank&Trust Co carries a composite BankHealth grade of D (49/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Mcnb Bank&Trust Co
- Total Assets
- $366M
- Total Deposits
- $301M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.16%
- Liquidity Ratio
- 21.65%
- Return on Assets
- 0.45%
- Headquarters
- Welch, West Virginia
- FDIC Certificate
- #6803
- Health Grade
- D (49/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Mcnb Bank&Trust Co holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Mcnb Bank&Trust Co to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Mcnb Bank&Trust Co shows some financial weakness with a Health Score of 49/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Mcnb Bank&Trust Co Compares
Mcnb Bank&Trust Co’s Health Score of 49 is 15 points below the West Virginia state average of 64 across 43 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.16% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.45% is below the national ROA benchmark of ~1.1%. Among 1556 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Mcnb Bank&Trust Co is 21 points below the portfolio average of 70.
Frequently Asked Questions
Mcnb Bank&Trust Co has a Bank Health Score of D (49/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Mcnb Bank&Trust Co's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.16% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Mcnb Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #6803). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Mcnb Bank&Trust Co holds $366M in total assets and $301M in total deposits. It is headquartered in Welch, West Virginia (FDIC Certificate #6803).
Mcnb Bank&Trust Co has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.16%, and the return on assets is 0.45%.
Yes. Mcnb Bank&Trust Co is FDIC-insured (Certificate #6803). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Mcnb Bank&Trust Co shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.