City National Bank of West Virginia
Also written as CNB of West Virginia
BankRegReports is independent of City National Bank of West Virginia and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
City National Bank of West Virginia is an FDIC-insured commercial bank headquartered in Charleston, WV, supervised by the OCC, with $6.76B in total assets at Q2 2026, up 2.7% from Q2 2025, the 2nd largest of 40 banks headquartered in West Virginia. It was established in 1957 and holds FDIC certificate 17735. Its CET1 capital ratio was 15.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 17735
- Headquarters
- Charleston, WV
- Established
- 1957
- Total assets, Q2 2026
- $6.76B
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 15.01%
- Domestic offices
- 97 · City National Bank of West Virginia branches FDIC institution directory, current count
- Routing number
- 051904524
- Safety and soundness
- Is City National Bank of West Virginia safe?
- Latest call report
- Q2 2026, FFIEC 041 · City National Bank of West Virginia call report
- Holding company
- CITY HOLDING COMPANY
- Asset rank in state
- 2nd of 40 in West Virginia
City National Bank of West Virginia, based in Charleston, West Virginia, reported $6.8 billion in assets at June 30, 2026, up 2.7% from a year earlier. It pays an average of 1.17% on its deposits and borrowings, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 2.01%). It also returns 19.1% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.7%).
Unrealized losses on its securities total $106 million, equal to 16% of Tier 1 capital, against 19% a year earlier.
As of June 30, 2026, City National Bank of West Virginia reported a CET1 capital ratio of 15.01%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.82%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, City National Bank of West Virginia is the 2nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $6.76B, loans rose 0.2% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.1% of total loans, followed by non-owner-occupied commercial real estate loans at 24.0%. Its 95 offices in the FDIC Summary of Deposits are in 74 cities across 4 states; its Charleston 4 offices book 8% of its branch deposits. On its Q2 2026 call report, City National Bank of West Virginia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3601 Maccorkle Ave Se, Charleston, WV 25304
- County
- Kanawha
- Metro Area
- Charleston, WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1957
- Former names
- The City National Bank of Charleston (1972-1998)
- Domestic offices
- 97 FDIC institution directory, current count
- Employees (FTE)
- 926
- Domestic deposits
- $5.43B
- Allowance for credit losses
- $20.4M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $6.85B
- Average total loans
- $4.50B
- Average interest-bearing deposits
- $4.61B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 1, 1957
- FDIC Cert
- 17735
- Fed RSSD
- 1011526
- SEC CIK
- 726854 → filed by CITY HOLDING COMPANY
- Website
- www.bankatcity.com →
- Parent Holding Company
- CITY HOLDING COMPANY (RSSD 1076262) · CHCO
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Charles R Hageboeck | CEO | President & CEO |
| David L Bumgarner | CFO | EVP & Chief Financial Officer |
| Legge Jeffrey Dale | CIO | EVP, CAO & CIO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
City National Bank of West Virginia's total assets moved between a low of $6.05B (Q3 2023) and a high of $6.76B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.76B total assets against $6.58B; $6.04B total liabilities against $5.89B.
$4.49B net loans and leases against $4.32B; $5.43B total deposits against $5.31B.
$1.47B securities against $1.55B; $265.8M cash and balances due against $170.3M.
$80.0M total interest income against $80.0M; $19.4M total interest expense against $21.3M.
$60.6M net interest income against $58.7M.
$21.1M total noninterest income against $19.3M; $38.9M total noninterest expense against $37.9M.
$1.1M provision for credit losses against -$2.0M.
$33.6M net income against $34.2M.
1.96% return on assets against 2.04%; 3.89% net interest margin against 3.86%.
15.01% CET1 capital ratio against 15.10%; 9.65% tier 1 leverage ratio against 9.63%.
Inside the full City National Bank of West Virginia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
City National Bank of West Virginia rankings
Its closest position to the top of a national ranking is 222 of 4,196, for total assets; its furthest is 869 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.76% (Q4 2024) to 2.10% (Q3 2025) and its net interest margin ran from 3.69% (Q4 2024) to 3.99% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.01% | 1.96% | 0.22% | 1.82% | 3.89% |
| Q1 2026 | 14.27% | 1.91% | 0.25% | 2.16% | 3.86% |
| Q4 2025 | 13.42% | 1.90% | 0.31% | 2.78% | 3.91% |
| Q3 2025 | 15.83% | 2.10% | 0.31% | 2.38% | 3.99% |
| Q2 2025 | 15.10% | 2.04% | 0.32% | 2.58% | 3.86% |
| Q1 2025 | 14.38% | 1.85% | 0.37% | 3.15% | 3.71% |
| Q4 2024 | 13.55% | 1.76% | 0.33% | 3.14% | 3.69% |
| Q3 2024 | 16.00% | 1.84% | 0.37% | 2.77% | 3.80% |
Swipe the table sideways to see every column.
Branch Network
View all 95 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| City National Bank of West Virginia (main office) | Charleston , WV | 25304 | $305.0M |
| Cross Lanes Branch | Cross Lanes , WV | 25313 | $246.4M |
| Park Avenue Branch | Beckley , WV | 25801 | $189.8M |
| Versailles Branch | Versailles , KY | 40383 | $168.4M |
| 20th Street Branch | Huntington , WV | 25703 | $134.6M |
| King Street Branch | Martinsburg , WV | 25401 | $132.1M |
| St. Albans Branch | St. Albans , WV | 25177 | $117.9M |
| Ashland Main Br | Ashland , KY | 41101 | $112.0M |
| South Lewisburg Branch | Lewisburg , WV | 24901 | $110.8M |
| Ripley Branch | Ripley , WV | 25271 | $106.7M |
| Teays Valley Branch | Scott Depot , WV | 25560 | $93.4M |
| Nicholasville Branch | Nicholasville , KY | 40356 | $93.0M |
| Suburban Branch | Paintsville , KY | 41240 | $92.2M |
| Cannonsburg Branch | Ashland , KY | 41102 | $92.2M |
| Lexington Branch | Lexington , KY | 40507 | $90.8M |
| Staunton Branch | Staunton , VA | 24401 | $87.5M |
| Wayne Branch | Wayne , WV | 25570 | $81.9M |
| Milton Branch | Milton , WV | 25541 | $75.9M |
| Pea Ridge Branch | Huntington , WV | 25705 | $75.7M |
| Hinton Branch | Hinton , WV | 25951 | $75.5M |
| Downtown Charleston Branch | Charleston , WV | 25301 | $74.4M |
| Edwin Miller Blvd Branch | Martinsburg , WV | 25404 | $71.4M |
| Southside Branch | Cynthiana , KY | 41031 | $69.9M |
| Winfield Branch | Winfield , WV | 25213 | $69.7M |
| Eisenhower Drive Branch | Beckley , WV | 25801 | $69.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 11, 2023 | Structure Change | Acquired Citizens Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 10, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 8, 2018 | Structure Change | Acquired Town Square Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 10, 2013 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 10, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2012 | Structure Change | Acquired Virginia Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2005 | Structure Change | Acquired Classic Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 26, 1999 | Structure Change | Acquired The Twentieth Street Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 26, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 1999 | Structure Change | Acquired First National Bank in Marlinton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 1998 | Structure Change | Acquired Marcom Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 11, 1998 | Structure Change | Acquired Citynet Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 12, 1998 | Structure Change | Acquired Morton Specialty Insurance Partners, Ltd. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 2, 1998 | Structure Change | Acquired Jarrett/Aim Communications, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 22, 1997 | Structure Change | Acquired The Old National Bank of Huntington Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 22, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 1997 | Structure Change | Acquired Rmi, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 1993 | Structure Change | Acquired The Bank of Cross Lanes Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 3 against individuals associated with it
- September 26, 2001, OCC: Formal Agreement: City National Bank Of West Virginia
- June 14, 2000, OCC: Formal Agreement: City National Bank Of West Virginia
- Period: Most recent institution action September 26, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.4% of deposits in WV, rank 4 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,699 applications, 2,944 loans originated, $494.4M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about City National Bank of West Virginia
What are City National Bank of West Virginia's total assets?
As of the Q2 2026 filing, City National Bank of West Virginia reported total assets of $6.76 billion in its FFIEC call report.
Where is City National Bank of West Virginia headquartered?
It is headquartered in Charleston, WV, United States.
When was City National Bank of West Virginia founded?
It was established in 1957, per the FDIC institution directory.
Is City National Bank of West Virginia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City National Bank of West Virginia?
City National Bank of West Virginia's primary federal regulator is the OCC.
What is City National Bank of West Virginia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does City National Bank of West Virginia operate?
It operates 97 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is City National Bank of West Virginia's Texas Ratio?
Its Texas Ratio is 1.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was City National Bank of West Virginia previously called?
The charter now named City National Bank of West Virginia has also operated as The City National Bank of Charleston (1972-1998), per FDIC structure-change records.
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