ADDED
At December 31, 2025, we had total assets of $2.1 billion, net loans of $1.5 billion and deposits of $1.7 billion.
The financial condition and cash flow of commercial borrowers is therefore carefully analyzed during the loan approval process and continues to be monitored throughout the duration of the loan by obtaining business financial statements, personal financial statements and income tax returns.
Information about our income from and assets related to our banking business may be found in the Consolidated Statements of Financial Condition and the Consolidated Statements of Income and the related notes thereto included in Item 8 of Part II of this annual report.
At December 31, 2025 and 2024, the total market value of assets under the supervision of the Bank s wealth department was approximately $1.8 billion and $1.7 billion, respectively.
Wealth management income, which includes trust department income and brokerage commissions, for these years may be found in the Consolidated Statements of Income under the heading Other operating income , which is contained in Item 8 of Part II of this annual report.
3 147,482 7.26% Bank of Charles Town 2 126,368 6.22% Woodforest National Bank 1 4,810 0.24% Source: FDIC Deposit Market Share Report Mineral County, West Virginia: First United Bank Trust 2 $ 140,090 38.60% Manufacturers and Traders Trust Company 2 84,345 23.24% Truist Bank 1 72,469 19.97% The Grant County Bank 1 47,380 13.06% FNB Bank, Inc.
1 18,622 5.13% Source: FDIC Deposit Market Share Report Monongalia County, West Virginia: United Bank 6 $ 1,568,631 30.71% MVB Bank, Inc.
2 1,449,309 28.38% The Huntington National Bank 6 630,752 12.35% Clear Mountain Bank 3 386,978 7.58% Truist Bank 3 327,436 6.41% PNC Bank, National Association 2 233,452 4.57% WesBanco Bank, Inc.
3 232,051 4.54% First United Bank Trust 3 125,005 2.45% Citizens Bank of Morgantown, Inc.
1 42,295 0.83% Burke Herbert Bank Trust Company 1 39,211 0.77% First Exchange Bank 2 37,326 0.73% JP Morgan Chase Bank, National Association 1 31,636 0.62% City National Bank of West Virginia 1 3,253 0.06% Source: FDIC Deposit Market Share Report For further information about competition in our market areas, see the Risk Factor entitled We operate in a competitive environment, and our inability to effectively compete could adversely and materially impact our financial condition and results of operations in Item 1A of Part I of this annual report.
REMOVED
At December 31, 2024, we had total assets of $2.0 billion, net loans of $1.5 billion and deposits of $1.6 billion.
The frequency of this ongoing analysis depends upon the size and complexity of the credit and collateral that secures the loan.
During 2024, the Bank s mortgage production was strong, as loans were booked in-house as well as eligible loans sold to the secondary market.
Wealth Management The Bank s wealth department offers a full range of trust services, including personal trust, investment agency accounts, charitable trusts, retirement accounts including IRA roll-overs, 401(k) accounts and defined benefit plans, estate administration and estate planning.
At December 31, 2024 and 2023, the total market value of assets under the supervision of the Bank s wealth department was approximately $1.7 billion and $1.5 billion, respectively.
Trust and brokerage department revenues for these years may be found in the Consolidated Statements of Income under the heading Other operating income , which is contained in Item 8 of Part II of this annual report.
3 139,835 7.27% Bank of Charles Town 2 117,288 6.10% Woodforest National Bank 1 4,080 0.21% Source: FDIC Deposit Market Share Report Mineral County, West Virginia: First United Bank Trust 2 $ 137,657 39.37% Manufacturers and Traders Trust Company 2 83,020 23.74% Truist Bank 1 68,750 19.66% The Grant County Bank 1 42,510 12.16% FNB Bank, Inc.
1 17,728 5.07% Source: FDIC Deposit Market Share Report Monongalia County, West Virginia: MVB Bank, Inc.
2 $ 1,260,947 28.62% United Bank 6 1,141,970 25.92% The Huntington National Bank 6 645,035 14.64% Clear Mountain Bank 3 363,260 8.24% Truist Bank 3 316,718 7.19% PNC Bank, National Association 2 204,868 4.65% WesBanco Bank, Inc.
3 200,271 4.55% First United Bank Trust 3 134,157 3.04% Citizens Bank of Morgantown, Inc.