MCNB Bank and Trust Co.
Headquarters: Welch, West Virginia
Overview
MCNB Bank and Trust Co. is an FDIC-insured bank headquartered in Welch, West Virginia. It reported $365.54M in assets and $301.47M in deposits for the period ending March 31, 2026. Bankular currently lists 8 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where MCNB Bank and Trust Co. has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of MCNB Bank and Trust Co.
Cedar Bluff Branch
1051 Claypool Hill Mall Rd, Cedar Bluff, Virginia, 24609
Loan production office · Opened June 1, 2004
Address and directions →Drive-In Facility
94 Howard St, Welch, West Virginia, 24801
Limited Service: Drive Thru/Detached Facility · Opened March 10, 1975
Address and directions →E. Cumberland
3152 E Cumberland Rd, Bluefield, West Virginia, 24701
Full-service branch · Opened November 6, 2001
Main Office
75 Wyoming St, Welch, West Virginia, 24801
Full-service branch · Opened July 1, 1900
Mccullough Drive
85 Jerome Van Meter Dr, Beckley, West Virginia, 25801
Full-service branch · Opened November 14, 2006
Richlands Branch
3102 Cedar Valley Dr, Richlands, Virginia, 24641
Full-service branch · Opened January 27, 2014
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $365.54M | $301.47M | $255.13M | 0.74% |
| December 31, 2025 | $362.67M | $295.24M | $249.98M | 0.62% |
| September 30, 2025 | $362.92M | $296.13M | $256.65M | 0.57% |
| June 30, 2025 | $359.46M | $303.89M | $256.88M | 0.55% |
| March 31, 2025 | $358.80M | $304.60M | $255.83M | 0.45% |
| December 31, 2024 | $360.38M | $300.63M | $260.14M | 0.30% |
| September 30, 2024 | $361.87M | $297.86M | $261.86M | 0.33% |
| June 30, 2024 | $366.33M | $301.42M | $265.72M | 0.37% |
Size and reach
How this institution compares
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More on MCNB Bank and Trust Co.
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Branch locations
8 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in West Virginia.
Explore →Welch banking market
See local branches, competitors and market concentration.
Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is MCNB Bank and Trust Co. federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 6803.
Where is MCNB Bank and Trust Co. headquartered?
MCNB Bank and Trust Co. is headquartered in Welch, West Virginia, at 75 Wyoming St, Welch, West Virginia, 24801.
How large is MCNB Bank and Trust Co.?
It reported $365.54M in assets and $301.47M in deposits for the period ending March 31, 2026.
How many locations does MCNB Bank and Trust Co. have?
Bankular currently lists 8 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.