Advertisement
Cnb Bank, Inc.
Berkeley Springs, WV · FDIC Certificate #14507 · Chartered 01/0
Total assets
$805.67M
Total deposits
$652.46M
Total equity
$68.70M
Net loans
$578.31M
Branches (offices)
9
Net income (YTD)
$4.19M
Rank: #1,249 of 4,213 U.S. banks by assets · #7 of 41 in West Virginia. Assets changed 19.6% and deposits 8.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.05% |
| Return on equity | 12.46% |
| Net interest margin (YTD) | 3.51% |
| Equity to assets | 8.53% |
| Tier 1 leverage ratio | 9.50% |
| Uninsured deposits (share of deposits) | 23.1% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 88.6% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $534.30M | 92.4% | |
| Commercial & industrial | $25.93M | 4.5% | |
| Consumer / individual | $22.77M | 3.9% | |
| Construction & development | $53.69M | 9.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $545.14M | $481.49M | $1.76M | $32.23M |
| Jun 2023 | $578.40M | $520.90M | $1.82M | $34.15M |
| Jun 2024 | $625.28M | $551.38M | $2.30M | $38.51M |
| Jun 2025 | $673.72M | $602.31M | $2.15M | $42.46M |
| Jun 2026 | $805.67M | $652.46M | $4.19M | $68.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $474.06M | 5 |
| Maryland | $178.40M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $652.46M.
Similar-sized banks
Monson Savings Bank ($806.33M) · Anchor Bank ($805.52M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement