Mcnb Bank&Trust Co (FDIC #6803): Bank Stress & Real-Estate Credit Exposure
Mcnb Bank&Trust Co (FDIC Cert #6803): bank stress 67/100, elevated, STABLE over 7 days; parent MCNB BANKS INC.
Mcnb Bank&Trust Co (#6803) lends in 4 counties across 2 states; Mcnb Bank&Trust Co (#6803) reaches 117 ZIP codes: West Virginia 3 counties, 101 ZIPs; Virginia 1 county, 18 ZIPs.
Mcnb Bank&Trust Co (#6803) largest markets: Raleigh County, WV (90 branches, 45 ZIPs) (#6803), Mcdowell County, WV (76 branches, 38 ZIPs) (#6803), Mercer County, WV (40 branches, 20 ZIPs) (#6803), Tazewell County, VA (18 branches, 18 ZIPs) (#6803).
Mcnb Bank&Trust Co (#6803) reports $356.5 million in total assets; Mcnb Bank&Trust Co (#6803) equity $42.0 million (11.8% of Mcnb Bank&Trust Co (#6803) assets); Mcnb Bank&Trust Co (#6803) domestic deposits $292.2 million; Mcnb Bank&Trust Co (#6803) net income $1.6 million; Mcnb Bank&Trust Co (#6803) return on assets 0.87%; Mcnb Bank&Trust Co (#6803) return on equity 7.64%; Mcnb Bank&Trust Co (#6803) net interest income $5.9 million; Mcnb Bank&Trust Co (#6803) call report June 30, 2026.
Mcnb Bank&Trust Co (#6803) noncurrent real-estate loans: none reported; Mcnb Bank&Trust Co (#6803) net charge-offs on real estate 3.15%; Mcnb Bank&Trust Co (#6803) residential charge-offs 5.77%.
Mcnb Bank&Trust Co (#6803) net interest margin 3.52% against an eight-quarter Mcnb Bank&Trust Co (#6803) average of 3.14% (Mcnb Bank&Trust Co (#6803) compression -0.37 points); Mcnb Bank&Trust Co (#6803) real-estate loans 0.1% of equity; Mcnb Bank&Trust Co (#6803) non-residential real estate 576.7% of equity; Mcnb Bank&Trust Co (#6803) rate-exposure score 40/100, Mcnb Bank&Trust Co (#6803) fixed-rate trap 40/100; Mcnb Bank&Trust Co (#6803) risk type credit driven; Mcnb Bank&Trust Co (#6803) rate regime rates elevated, Mcnb Bank&Trust Co (#6803) snapshot October 19, 2026.
Mcnb Bank&Trust Co (#6803) stress score moved from 69.9 on June 22, 2026 to 66.8 on October 19, 2026; Mcnb Bank&Trust Co (#6803) ranged 66.8 to 69.9 over 116 snapshots.
Mcnb Bank&Trust Co (#6803) alerts: 4 counties; top Mcnb Bank&Trust Co (#6803) alert scores: Daniels County, WV 21 (low); Princeton County, WV 21 (low); Richlands County, WV 21 (low); Welch County, WV 21 (low).