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Citizens Financial Corp
211 3rd St
Phone: (304) 636-4095p:304 636-4095 ELKINS, WV  26241-3832  United States Ticker: CIWVCIWV
This company ceased filing statements with the SEC on 2/26/2010.
Business Summary
Citizens Financial Corp. is a bank holding company for Citizens Bank of West Virginia, Inc. (the bank). The Bank provides retail, secondary market, and commercial loan services, as well as deposit, trust and brokerage services to customers in Randolph, Tucker, Upshur, Pocahontas and Wetzel Counties of West Virginia and nearby areas. The Company provides regulatory compliance and marketing related services to other financial institutions within and around West Virginia. The Bank’s offering includes personal checking; savings, certificates of deposit (CDs) and individual retirement accounts (IRAs); loans; MOCA debit cards; credit cards; insured cash sweep (ICS) and certificate of deposit account registry service (CDARS); digital banking; remote deposit; credit card processing; and other services. The Bank’s digital banking, which includes mobile applications, digital wallet, online banking, business digital banking and telephone banking.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
---Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/200912/31/2008YesYes--Yes

Industries
SIC Code Description
6021 National commercial banks
6029 Commercial banks, not elsewhere classified
6091 Nondeposit trust facilities
6211 Security brokers, dealers, and flotation companies
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Chairman of the Board Max L.Armentrout 75 9/1/1986
President, Chief Executive Officer of the Company and the Bank; Director Robert J.Schoonover 73 4/17/2007 4/1/1998
Vice Chairman of the Board Cyrus K.Kump 66 6/1/1992
10 additional Officers and Directors records available in full report.

Business Names
Business Name
Citizens National Bank of Elkins
CIWV

General Information
Number of Employees: 84 (As of 2/28/2009)
Outstanding Shares: 1,829,504 (As of 11/12/2009)
Shareholders: 460
Stock Exchange: OTC
Federal Tax Id: 550666598
Fax Number: (302) 636-5454


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Tuesday, August 29, 2023