MINERS&MERCHANTS BANK
THOMAS, WEST VIRGINIA · FDIC Cert #13018
Capital & Safety Analysis
According to FDIC financial data, MINERS&MERCHANTS BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject MINERS&MERCHANTS BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
MINERS&MERCHANTS BANK shows average financial health. While not alarming, its Health Score of 54/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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.
Frequently Asked Questions
MINERS&MERCHANTS BANK has a Bank Health Score of C (54/100). 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.
MINERS&MERCHANTS BANK holds $66M in total assets and $57M in total deposits. It is located in THOMAS, WEST VIRGINIA (FDIC Certificate #13018).
MINERS&MERCHANTS BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.66%, and the return on assets is 0.17%.
Yes. MINERS&MERCHANTS BANK is FDIC-insured (Certificate #13018). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.