CNB Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
CNB Bank, Inc. is an FDIC-insured commercial bank headquartered in Berkeley Springs, WV, established in 1917 (FDIC certificate 14507), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $805.7M, up 19.6% from Q2 2025, the 7th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 14.56% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14507
- Headquarters
- Berkeley Springs, WV
- Established
- 1917
- Total assets, Q2 2026
- $805.7M
- Assets vs Q2 2025
- +19.6%
- CET1 ratio, Q2 2026
- 14.56%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 052204359
- Holding company
- CNB FINANCIAL SERVICES, INC.
- Asset rank in state
- 7th of 40 in West Virginia
Little in CNB Bank, Inc.'s latest call report stands out. The Berkeley Springs, West Virginia bank had $806 million in assets at June 30, 2026, up 19.6% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $2.4 million, 84% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.2 million equal 12% of Tier 1 capital, down from 22% a year earlier. Where it has less room is capital: it funds 9.50% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, CNB Bank, Inc. reported a CET1 capital ratio of 14.56%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, CNB Bank, Inc. is the 7th largest of the 40 banks headquartered in West Virginia. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $805.7M, loans rose 1.5% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 55.9% of total loans, followed by non-owner-occupied commercial real estate loans at 14.0%. The FDIC Summary of Deposits lists 9 offices for it, in 5 cities across 2 states; its Berkeley Springs 2 offices book 48% of its branch deposits. On its Q2 2026 call report, CNB Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Washington St, Berkeley Springs, WV 25411
- County
- Morgan
- Metro Area
- Hagerstown-Martinsburg, MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1917
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 110
- Domestic deposits
- $652.5M
- Allowance for credit losses
- $6.5M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $806.0M
- Average total loans
- $580.7M
- Average interest-bearing deposits
- $493.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 18, 1934
- FDIC Cert
- 14507
- Fed RSSD
- 944627
- SEC CIK
- 1113336 → filed by CNB FINANCIAL SERVICES, INC.
- Website
- www.cnb.bank →
- Parent Holding Company
- CNB FINANCIAL SERVICES, INC. (RSSD 2909200)
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
Over the 12 quarters to Q2 2026, CNB Bank, Inc.'s total assets ran between $596.7M (Q3 2023) and $805.7M (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
$805.7M total assets against $673.7M; $737.0M total liabilities against $631.3M.
$578.3M net loans and leases against $522.9M; $652.5M total deposits against $602.3M.
$182.7M securities against $113.5M; $11.8M cash and balances due against $10.4M.
$10.5M total interest income against $8.3M; $3.6M total interest expense against $2.9M.
$6.9M net interest income against $5.4M.
$1.5M total noninterest income against $1.3M; $5.2M total noninterest expense against $4.8M.
$186K provision for credit losses against $153K.
$2.4M net income against $1.3M.
1.18% return on assets against 0.77%; 3.52% net interest margin against 3.33%.
14.56% CET1 capital ratio against 11.35%; 9.50% tier 1 leverage ratio against 7.87%.
Inside the full CNB Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCNB Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,241 of 4,196, for total assets; its furthest is 2,873 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q4 2024) to 1.18% (Q2 2026) and its net interest margin ran from 2.81% (Q4 2024) to 3.52% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.56% | 1.18% | 0.09% | 0.67% | 3.52% |
| Q1 2026 | 14.59% | 0.92% | 0.04% | 0.33% | 3.39% |
| Q4 2025 | 14.72% | 0.92% | 0.03% | 0.25% | 3.30% |
| Q3 2025 | 14.78% | 0.89% | 0.07% | 0.57% | 3.36% |
| Q2 2025 | 11.35% | 0.77% | 0.05% | 0.54% | 3.33% |
| Q1 2025 | 11.59% | 0.53% | 0.07% | 0.78% | 3.08% |
| Q4 2024 | 11.81% | 0.51% | 0.08% | 0.88% | 2.81% |
| Q3 2024 | 12.03% | 0.68% | 0.17% | 1.71% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| CNB Bank, Inc. (main office) | Berkeley Springs , WV | 25411 | $251.8M |
| Hancock Branch | Hancock , MD | 21750 | $71.5M |
| Valley Road Branch | Berkeley Springs , WV | 25411 | $60.5M |
| Hagerstown Branch | Hagerstown , MD | 21742 | $59.7M |
| South Martinsburg Branch | Martinsburg , WV | 25405 | $58.0M |
| Hedgesville Branch | Martinsburg , WV | 25403 | $53.5M |
| Spring Mills Branch | Falling Waters , WV | 25419 | $50.3M |
| Dual Highway Branch | Hagerstown , MD | 21740 | $26.1M |
| Hagerstown Branch | Hagerstown , MD | 21740 | $21.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in WV, rank 19 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 286 applications, 231 loans originated, $82.5M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 CNB Bank, Inc.
What are CNB Bank, Inc.'s total assets?
As of the Q2 2026 filing, CNB Bank, Inc. reported total assets of $805.7 million in its FFIEC call report.
Where is CNB Bank, Inc. headquartered?
It is headquartered in Berkeley Springs, WV, United States.
When was CNB Bank, Inc. founded?
It was established in 1917, per the FDIC institution directory.
Is CNB Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CNB Bank, Inc.?
CNB Bank, Inc.'s primary federal regulator is the FDIC.
What is CNB Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does CNB Bank, Inc. operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CNB Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.67% 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.
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