Citizens Bank of West Virginia was recently recognized by CB Resource, Inc. for financial performance in
the top 10% of banks in the nation, ranking 10th among 638 banks with total assets between $250 and
$499 million.

Citizens was the only bank headquartered in West Virginia in that asset range to make the
CB Top Ten™ report that uses a scorecard based approach with eight performance indicators to identify
the top-performing banks in the country.

The CB Top Ten™ groups community banks into five peer categories based on total assets. The rankings
are based on bank performance within key performance indicator categories and their collective
performance in all categories. The key indicators include asset growth, return on average assets, return
on average equity, net interest margin, efficiency ratio, non-performing assets, non-interest-bearing
deposits, and non-interest income. Citizens Bank of West Virginia ranked number 10 nationwide for the
entire year’s performance in 2021 among its peers.

Citizens also received a five-star rating for financial strength and security in all of 2021 from Bauer
Financial, Inc., the nation’s leading independent bank rating and research firm. This rating indicates that
the bank excels in areas of capital adequacy, profitability, asset quality, and much more.

In addition, our financial performance in 2021 builds on our success from the previous year in which
Citizens Bank of West Virginia was named to American Banker magazine’s Top 200 Publicly Traded
Community Banks and Thrifts in the nation – ranking 64th on its prestigious nationwide list published in
the May 2021 issue. Citizens was ranked the highest in West Virginia and the only bank headquartered in
this region of the state to make the list.

“This recognition and accolades we continue to earn are a testament to our exceptionally dedicated and
professional staff and reaffirms that Citizens is a financial institution that our customers and communities
can trust for all their banking needs,” said President & CEO Nathaniel S. Bonnell. “We especially take great
pride in what this recent national ranking represents.”