Citizens Bank of West Virginia Named One of the Top 20 Performing Banks Nationwide

Citizens Bank of West Virginia, the wholly owned subsidiary of Citizens Financial Corp. (OTCID: CIWV), is proud to announce its recognition by American Banker as one of the top-performing publicly traded banks under $2 billion in assets. Ranked No. 19 nationwide and the only West Virginia bank included on the list, this achievement highlights Citizens Bank’s consistent financial performance, disciplined growth, and commitment to exceptional service.

This marks Citizens Bank’s fifth appearance on American Banker’s Top Performing Banks list, but its first time reaching the Top 20 segment, reinforcing its reputation for consistently strong financial performance and its focus on building long-term value for shareholders.

“Citizens is honored to be recognized as one of the 20 best performing community banks in the country,” said Nathaniel S. Bonnell, President and CEO. “I am especially proud of our team members who remain focused on delivering strong results, trusted relationships, and meaningful service to those who count on us.”

About Citizens Bank of West Virginia

Citizens Financial Corp. (OTCID: CIWV) is the parent company of its wholly-owned subsidiary, Citizens Bank of West Virginia, with $772 million in assets, provides integrated financial services including retail and commercial banking, wealth management, and mortgage services from eight financial centers in West Virginia, including Elkins, Bayard, Beverly, Buckhannon, New Martinsville, Parsons, and Thomas, as well as one location in Oakland, Maryland. Citizens Bank is 5-star rated and ranked among the strongest banks in the nation by Bauer Financial, the nation’s leading independent bank rating firm. The bank ranked No. 19 on American Banker’s list of Top-Performing Publicly Traded Community Banks Under $2 Billion in Assets and was the only West Virginia bank to earn a place on the list. Citizens Bank is also recognized among West Virginia’s Top 10 Performing Banks by the Bank Performance Report. Citizens ranks No. 22 on American Banker’s Best Banks to Work For list and has received numerous regional honors, including WV Living’s Best Corporate Citizen; The Inter-Mountain’s People’s Choice Awards for Best Bank, Mortgage Lender, Customer Service, and Employer; and The Record Delta’s Best Place to Work and Best Mortgage Provider awards. Additionally, Citizens Bank has been recognized by Newsweek’s America’s Best Banks list as the Best Small Bank in West Virginia, named SBA West Virginia Community Lender of the Year, and ranked No. 9 nationally by the Independent Community Bankers of America in the consumer/mortgage category for banks with $300 million to $1 billion in assets. For more information, visit www.citizenswv.com.

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