City National Bank of West Virginia: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 12.11 percentage points in Q2 2026, from 217.65% to 205.54%. It was the largest change from Q1 2026 among the key lines here. City National Bank of West Virginia ranks 21st of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 83.04% (Q2 2026). City National Bank of West Virginia reported 83.04% on loan-to-deposit ratio for Q2 2026, 5.16 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.51B |
| Net loans and leases | $4.49B |
| Loans held for sale | $343K |
| Loans to total assets | 66.70% |
| Loan-to-deposit ratio | 83.04% |
| Net loans to equity capital | 6.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.28% |
| Multifamily (5+ residential) | 5.16% |
| Commercial and industrial | 9.91% |
| Consumer | 0.88% |
| Credit cards | 0.00% |
| Farm | 0.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.54% |
| Construction concentration (Tier 1 capital + allowance) | 8.20% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.74% |
| Interest income on loans | $64.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.01B | $4.96B | 29.03% | 10.29% | 1.61% |
| Q4 2023 | $4.12B | $5.00B | 30.13% | 9.99% | 1.57% |
| Q1 2024 | $4.09B | $5.11B | 29.76% | 9.83% | 1.58% |
| Q2 2024 | $4.11B | $5.10B | 29.83% | 9.80% | 1.54% |
| Q3 2024 | $4.16B | $5.12B | 30.01% | 9.78% | 1.50% |
| Q4 2024 | $4.27B | $5.26B | 29.84% | 9.37% | 1.40% |
| Q1 2025 | $4.29B | $5.35B | 29.84% | 9.66% | 1.32% |
| Q2 2025 | $4.34B | $5.31B | 29.59% | 9.25% | 1.27% |
| Q3 2025 | $4.41B | $5.31B | 29.14% | 9.54% | 1.13% |
| Q4 2025 | $4.51B | $5.45B | 29.72% | 9.88% | 1.05% |
| Q1 2026 | $4.50B | $5.45B | 29.60% | 9.62% | 0.95% |
| Q2 2026 | $4.51B | $5.43B | 29.28% | 9.91% | 0.88% |
City National Bank of West Virginia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock City National Bank of West Virginia, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full City National Bank of West Virginia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17735) · FFIEC NIC profile (RSSD 1011526)