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Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
60th percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Not on file
Call-report figures are for Miners & Merchants Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,712 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q4 2025 Quarter ended Dec 31, 2025 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Miners & Merchants Bank's published fee schedule; Bank Fee Index medians | Current schedule | Not recorded |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 2.7% of revenue, above the 2.2% median of 1,712 banks with under $300M in assets (60th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $12K in Q4 2025, 37% below the same quarter a year earlier ($19K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Miners & Merchants Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 64 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $12K | −$3K | −20.0% |
| Q3 2025 | $15K | −$1K | −6.3% |
| Q2 2025 | $16K | −$1K | −5.9% |
| Q1 2025 | $17K | −$2K | −10.5% |
| Q4 2024 | $19K | $0 | 0.0% |
| Q3 2024 | $19K | −$2K | −9.5% |
| Q2 2024 | $21K | +$1K | +5.0% |
| Q1 2024 | $20K | $0 | 0.0% |
Financial cohort: 1,800 banks with under $300M in assets filing for Q4 2025; 1,712 reported a share above 0% and are counted, Miners & Merchants Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Miners & Merchants Bank by share.
Where Miners & Merchants Bank operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states, $58.8M in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 3 | $58.8M |
Largest competitors nearby
Local market: Tucker county, WV, around its headquarters.
| 3 in its local market | Deposit share |
|---|---|
| Citizens Bank of West Virginia, Inc. | 43.5% |
| The Grant County Bank | 30.5% |
| Mountain Valley Bank, N.A. | 26% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows