{"success":true,"data":{"pressRelease":{"id":"93932","rtpr_id":"nBw50XwLla","ticker":"CIWV","exchange":"OTC","all_tickers":["CIWV"],"title":"Citizens Bank of West Virginia Named One of the Top 20 Performing Banks Nationwide","author":"Business Wire","published_at":"2026-07-21T13:00:00.314Z","article_body":"Citizens Bank of West Virginia Named One of the Top 20 Performing Banks\nNationwide\n\nCitizens Bank of West Virginia, the wholly owned subsidiary of Citizens\nFinancial Corp. (OTCID: CIWV), is proud to announce its recognition by\nAmerican Banker as one of the top-performing publicly traded banks under $2\nbillion in assets. Ranked No. 19 nationwide and the only West Virginia bank\nincluded on the list, this achievement highlights Citizens Bank’s consistent\nfinancial performance, disciplined growth, and commitment to exceptional\nservice.\n\nThis marks Citizens Bank’s fifth appearance on American Banker’s Top\nPerforming Banks list, but its first time reaching the Top 20 segment,\nreinforcing its reputation for consistently strong financial performance and\nits focus on building long-term value for shareholders.\n\n“Citizens is honored to be recognized as one of the 20 best performing\ncommunity banks in the country,” said Nathaniel S. Bonnell, President and\nCEO. “I am especially proud of our team members who remain focused on\ndelivering strong results, trusted relationships, and meaningful service to\nthose who count on us.”\n\nAbout Citizens Bank of West Virginia\n\nCitizens Financial Corp. (OTCID: CIWV) is the parent company of its\nwholly-owned subsidiary, Citizens Bank of West Virginia, with $772 million in\nassets, provides integrated financial services including retail and commercial\nbanking, wealth management, and mortgage services from eight financial centers\nin West Virginia, including Elkins, Bayard, Beverly, Buckhannon, New\nMartinsville, Parsons, and Thomas, as well as one location in Oakland,\nMaryland. Citizens Bank is 5-star rated and ranked among the strongest banks\nin the nation by Bauer Financial, the nation's leading independent bank rating\nfirm. The bank ranked No. 19 on American Banker's list of Top-Performing\nPublicly Traded Community Banks Under $2 Billion in Assets and was the only\nWest Virginia bank to earn a place on the list. Citizens Bank is also\nrecognized among West Virginia's Top 10 Performing Banks by the Bank\nPerformance Report. Citizens ranks No. 22 on American Banker's Best Banks to\nWork For list and has received numerous regional honors, including WV Living's\nBest Corporate Citizen; The Inter-Mountain's People's Choice Awards for Best\nBank, Mortgage Lender, Customer Service, and Employer; and The Record Delta's\nBest Place to Work and Best Mortgage Provider awards. Additionally, Citizens\nBank has been recognized by Newsweek's America's Best Banks list as the Best\nSmall Bank in West Virginia, named SBA West Virginia Community Lender of the\nYear, and ranked No. 9 nationally by the Independent Community Bankers of\nAmerica in the consumer/mortgage category for banks with $300 million to $1\nbillion in assets. For more information, visit www.citizenswv.com\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=http%3A%2F%2Fwww.citizenswv.com%2F&esheet=54571961&newsitemid=20260720912322&lan=en-US&anchor=www.citizenswv.com&index=1&md5=a13da48326edea2bfe1bbad94011181f)\n.\n\n\n\nView source version on businesswire.com:\nhttps://www.businesswire.com/news/home/20260720912322/en/\n(https://www.businesswire.com/news/home/20260720912322/en/)\n\nJess Shaffer\n\nAVP & Marketing Officer\n\n304.636.4095\n\n211 Third Street\n\nElkins, WV 26241\n\nwww.citizenswv.com\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=http%3A%2F%2Fwww.citizenswv.com&esheet=54571961&newsitemid=20260720912322&lan=en-US&anchor=www.citizenswv.com&index=2&md5=7a63244a8b945e63a764eccb898840df)\n\n\nCopyright Business Wire 2026","article_body_html":"","raw_payload":{"data":{"id":"nBw50XwLla","title":"Citizens Bank of West Virginia Named One of the Top 20 Performing Banks Nationwide","author":"Business Wire","ticker":"CIWV","created":"2026-07-21T13:00:00.314Z","tickers":["CIWV"],"exchange":"OTC","article_body":"Citizens Bank of West Virginia Named One of the Top 20 Performing Banks\nNationwide\n\nCitizens Bank of West Virginia, the wholly owned subsidiary of Citizens\nFinancial Corp. (OTCID: CIWV), is proud to announce its recognition by\nAmerican Banker as one of the top-performing publicly traded banks under $2\nbillion in assets. Ranked No. 19 nationwide and the only West Virginia bank\nincluded on the list, this achievement highlights Citizens Bank’s consistent\nfinancial performance, disciplined growth, and commitment to exceptional\nservice.\n\nThis marks Citizens Bank’s fifth appearance on American Banker’s Top\nPerforming Banks list, but its first time reaching the Top 20 segment,\nreinforcing its reputation for consistently strong financial performance and\nits focus on building long-term value for shareholders.\n\n“Citizens is honored to be recognized as one of the 20 best performing\ncommunity banks in the country,” said Nathaniel S. Bonnell, President and\nCEO. “I am especially proud of our team members who remain focused on\ndelivering strong results, trusted relationships, and meaningful service to\nthose who count on us.”\n\nAbout Citizens Bank of West Virginia\n\nCitizens Financial Corp. (OTCID: CIWV) is the parent company of its\nwholly-owned subsidiary, Citizens Bank of West Virginia, with $772 million in\nassets, provides integrated financial services including retail and commercial\nbanking, wealth management, and mortgage services from eight financial centers\nin West Virginia, including Elkins, Bayard, Beverly, Buckhannon, New\nMartinsville, Parsons, and Thomas, as well as one location in Oakland,\nMaryland. Citizens Bank is 5-star rated and ranked among the strongest banks\nin the nation by Bauer Financial, the nation's leading independent bank rating\nfirm. The bank ranked No. 19 on American Banker's list of Top-Performing\nPublicly Traded Community Banks Under $2 Billion in Assets and was the only\nWest Virginia bank to earn a place on the list. Citizens Bank is also\nrecognized among West Virginia's Top 10 Performing Banks by the Bank\nPerformance Report. Citizens ranks No. 22 on American Banker's Best Banks to\nWork For list and has received numerous regional honors, including WV Living's\nBest Corporate Citizen; The Inter-Mountain's People's Choice Awards for Best\nBank, Mortgage Lender, Customer Service, and Employer; and The Record Delta's\nBest Place to Work and Best Mortgage Provider awards. Additionally, Citizens\nBank has been recognized by Newsweek's America's Best Banks list as the Best\nSmall Bank in West Virginia, named SBA West Virginia Community Lender of the\nYear, and ranked No. 9 nationally by the Independent Community Bankers of\nAmerica in the consumer/mortgage category for banks with $300 million to $1\nbillion in assets. For more information, visit www.citizenswv.com\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=http%3A%2F%2Fwww.citizenswv.com%2F&esheet=54571961&newsitemid=20260720912322&lan=en-US&anchor=www.citizenswv.com&index=1&md5=a13da48326edea2bfe1bbad94011181f)\n.\n\n\n\nView source version on businesswire.com:\nhttps://www.businesswire.com/news/home/20260720912322/en/\n(https://www.businesswire.com/news/home/20260720912322/en/)\n\nJess Shaffer\n\nAVP & Marketing Officer\n\n304.636.4095\n\n211 Third Street\n\nElkins, WV 26241\n\nwww.citizenswv.com\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=http%3A%2F%2Fwww.citizenswv.com&esheet=54571961&newsitemid=20260720912322&lan=en-US&anchor=www.citizenswv.com&index=2&md5=7a63244a8b945e63a764eccb898840df)\n\n\nCopyright Business Wire 2026"},"type":"article","timestamp":"2026-07-21T13:00:00.480041592Z","server_sent_at_ms":1784638800480},"received_at":"2026-07-21T13:00:00.574Z","source_url":"https://www.businesswire.com/news/home/20260720912322/en/"},"analysis":{"id":"82972","press_release_id":"93932","analysis_json":{"industry":{"label":"Banks","sector":"Financials"},"redFlags":[],"eventType":"operations_update","narrative":"Citizens Financial Corp.'s subsidiary, Citizens Bank of West Virginia, was ranked No. 19 nationwide by American Banker among publicly traded banks under $2 billion in assets.\n\nThis is the bank's fifth appearance on the list but its first time reaching the Top 20, highlighting disciplined growth and financial performance with $772 million in assets.\n\nCEO Nathaniel S. Bonnell attributed the recognition to the team's focus on delivering strong results and trusted relationships.","sentiment":"bullish","agentHooks":{"shouldPost":false,"suggestedAngle":"Recognition milestone confirms disciplined execution, but low material impact."},"keyFigures":{"customDimensions":{"rank":19,"total_assets":"$772 million"}},"quotedText":"Citizens is honored to be recognized as one of the 20 best performing community banks in the country","namedEntities":{"people":[{"name":"Nathaniel S. Bonnell","role":"President and CEO"},{"name":"Jess Shaffer","role":"AVP & Marketing Officer"}],"products":[],"companies":[{"name":"Citizens Bank of West Virginia","ticker":"CIWV","relationship":"subsidiary"},{"name":"Citizens Financial Corp.","ticker":"CIWV","relationship":"parent company"},{"name":"American Banker","relationship":"publisher"},{"name":"Bauer Financial","relationship":"rating firm"}],"dollarAmounts":[{"amount":"$2 billion","context":"asset threshold for the ranking list"},{"amount":"$772 million","context":"total assets of Citizens Bank of West Virginia"}]},"materialImpact":{"score":2,"reasoning":"The company announced an industry ranking recognition (Top 20 performing banks), which validates performance but is not a material financial event like earnings or M&A. It reinforces reputation but does not change the fundamental business outlook."},"tickerRelevance":{"others":[],"primary":"CIWV"},"globalImportance":10,"audienceRelevance":10,"eventTypeSecondary":[],"importanceComponents":{"tickerTier":"micro-cap","eventGravity":"industry-recognition","sectorWeight":"low"}},"event_type":"operations_update","event_type_secondary":null,"sentiment":"bullish","material_impact_score":2,"narrative":"Citizens Financial Corp.'s subsidiary, Citizens Bank of West Virginia, was ranked No. 19 nationwide by American Banker among publicly traded banks under $2 billion in assets.\n\nThis is the bank's fifth appearance on the list but its first time reaching the Top 20, highlighting disciplined growth and financial performance with $772 million in assets.\n\nCEO Nathaniel S. Bonnell attributed the recognition to the team's focus on delivering strong results and trusted relationships.","key_figures":{"customDimensions":{"rank":19,"total_assets":"$772 million"}},"named_entities":{"people":[{"name":"Nathaniel S. Bonnell","role":"President and CEO"},{"name":"Jess Shaffer","role":"AVP & Marketing Officer"}],"products":[],"companies":[{"name":"Citizens Bank of West Virginia","ticker":"CIWV","relationship":"subsidiary"},{"name":"Citizens Financial Corp.","ticker":"CIWV","relationship":"parent company"},{"name":"American Banker","relationship":"publisher"},{"name":"Bauer Financial","relationship":"rating firm"}],"dollarAmounts":[{"amount":"$2 billion","context":"asset threshold for the ranking list"},{"amount":"$772 million","context":"total assets of Citizens Bank of West Virginia"}]},"model_name":"glm-4.7","prompt_hash":"sha256:727b4b9429a443af","schema_hash":"sha256:05005c02d9cffac9","created_at":"2026-07-21T15:50:37.896Z","global_importance":10,"audience_relevance":10,"importance_components":{"tickerTier":"micro-cap","eventGravity":"industry-recognition","sectorWeight":"low"}},"durationMs":77093,"modelName":"glm-4.7"}}