Safest Banks in West Virginia 2026
West Virginia has 43 FDIC-insured banks with an average Bank Health Score of 79/100 (B). The safest bank is Security National Trust Co with a score of 100/100.
Data from FDIC Q2 2024
43 West Virginia banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
West Virginia's 43 FDIC-insured banks hold a combined $40.2B in assets. Their average Bank Health Score of 79/100 sits 1.0 points in line with the national average of 80/100. Across the state, 91% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in West Virginia is Wesbanco Bank INC with $18.1B in assets and a Bank Health Score of 76/100. The strongest by score is Security National Trust Co in Wheeling (100/100, Tier 1 capital 101.17%). The weakest is Community Bk of Parkersburg at 58/100, dragged down by an NPL ratio of 0.67%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in West Virginia
Security National Trust Co
Wheeling, WV
West Virginia's top-rated bank, with a Tier 1 capital ratio of 101.17% — well above the federal "well-capitalized" threshold of 8%. Holds $8M in assets.
Bank of Monroe
Union, WV
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.02% with $225M in total assets.
Clay County Bank INC
Clay, WV
Third in the rankings on the Bank Health Score. Liquidity ratio of 47.84% and ROA of 1.62%.
Top 20 of 43 Banks in West Virginia
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Security National Trust Co | Wheeling | A | 100 | 101.17% | 0.00% |
| 2 | Bank of Monroe | Union | A | 97 | 21.32% | 0.02% |
| 3 | Clay County Bank INC | Clay | A | 96 | 15.12% | 0.39% |
| 4 | City Nb of West Virginia | Charleston | A | 95 | 15.17% | 0.23% |
| 5 | Fayette Cnty Nb Fayetteville | Fayetteville | A | 94 | 22.45% | 0.17% |
| 6 | West Union Bank | West Union | A | 92 | 14.19% | 0.05% |
| 7 | Whitesville State Bank | Whitesville | A | 91 | 16.41% | 0.48% |
| 8 | Mountain Valley Bank N A | Elkins | A | 91 | 12.92% | 0.25% |
| 9 | Huntington FSB | Huntington | A | 88 | 15.97% | 0.41% |
| 10 | First Nb of Peterstown | Peterstown | A | 87 | 24.84% | 1.72% |
| 11 | Putnam County Bank | Hurricane | A | 86 | 12.66% | 0.49% |
| 12 | Miners&Merchants Bank | Thomas | A | 85 | 13.74% | 0.66% |
| 13 | Logan Bank&Trust Co | Logan | A | 85 | 10.13% | 0.09% |
| 14 | Calhoun County Bank INC | Grantsville | A | 85 | 18.37% | 0.41% |
| 15 | Clear Mountain Bank | Bruceton Mills | A | 84 | 12.07% | 0.33% |
| 16 | Pioneer Community Bank INC | Iaeger | A | 83 | 14.62% | 0.34% |
| 17 | Jefferson Security Bank | Shepherdstown | A | 83 | 12.02% | 0.01% |
| 18 | Citizens Bank of Weston | Weston | A | 81 | 10.54% | 0.49% |
| 19 | First Neighborhood Bank | Spencer | A | 81 | 11.45% | 0.14% |
| 20 | Harrison County Bank | Lost Creek | A | 81 | 10.90% | 0.18% |
Bank Health Scores for West Virginia are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Security National Trust Co in Wheeling is currently the safest bank in West Virginia with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 101.17% and a nonperforming loan ratio of 0.00%.
West Virginia has 43 FDIC-insured banks with a combined $40.2B in total assets. The average Bank Health Score across the state is 79/100 (Grade B).
West Virginia's average Bank Health Score of 79/100 is 1.0 points in line with the national average of 80/100. 91% of banks in West Virginia earn an A or B grade, compared with the national average grade of A.
Of 43 FDIC-insured banks headquartered in West Virginia, 23 earn an A, 16 a B, 4 a C, 0 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).