City National Bank of West Virginia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks City National Bank of West Virginia of Charleston, WV against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.96% | 1.43% | +0.53% | 85th top |
| ROAE | 19.14% | 12.50% | +6.64% | 87th top |
| Net Interest Margin | 3.89% | 3.84% | +0.05% | 62nd above |
| Efficiency Ratio | 46.81% | 58.88% | -12.07% | 83rd top |
| PPNR / Avg Assets | 2.50% | 1.78% | +0.72% | 88th top |
| Yield on Earning Assets | 5.13% | 5.71% | -0.58% | 26th below |
| Cost of Funds | 1.17% | 2.03% | -0.86% | 91st top |
| Net Interest Spread | 3.39% | 3.18% | +0.21% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.96% | -0.74% | 80th top |
| NPA / Total Assets | 0.16% | 0.75% | -0.59% | 80th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.31% | -0.27% | 45th below |
| ACL / Total Loans | 0.45% | 1.25% | -0.80% | 2nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 203.36% | 699.39% | -496.03% | 56th above |
| Texas Ratio | 1.82% | 7.17% | -5.35% | 79th top |
| Provision / NCO | 142.17% | 815.42% | -673.25% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.01% | 17.41% | -2.40% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.01% | 17.45% | -2.44% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.48% | 18.50% | -3.02% | 64th above |
| Leverage Ratio | 9.65% | 11.60% | -1.95% | 27th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.64% | 11.33% | -0.69% | 54th above |
| TCE / Tangible Assets | 8.51% | 10.65% | -2.14% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.04% | 86.36% | -3.32% | 64th above |
| Core Deposit Ratio | 96.40% | 85.54% | +10.86% | 92nd top |
| Uninsured Deposit Ratio | 16.74% | 32.73% | -15.99% | 89th top |
| Wholesale Funding Ratio | 7.81% | 5.45% | +2.36% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.68% | 10.46% | -7.78% | 32nd below |
| Loan Growth (Y/Y) | 3.86% | 8.00% | -4.14% | 40th below |
| Deposit Growth (Y/Y) | 2.10% | 7.99% | -5.89% | 31st below |
See City National Bank of West Virginia's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock City National Bank of West Virginia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full City National Bank of West Virginia profile, how to read a UBPR, or how this data updates.