City National Bank of West Virginia: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
City National Bank of West Virginia is the primary bank subsidiary of its parent holding company, headquartered in Charleston, WV. As of Q2 2026, the bank held approximately $6.8B in total assets and $5.4B in deposits. Returns are notably above industry norms: 1.96% ROA, 19.14% ROE, and 3.89% NIM. Capital cushions are healthy: 15.01% CET1, 9.65% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.22%. City National Bank of West Virginia operates a 97-branch network.
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%, a Texas ratio of 1.82%, per financial data filed with the FFIEC.
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)
- Offices
- 97 domestic
- Employees (FTE)
- 926
- Domestic deposits
- $5.43B
- Allowance for credit losses
- $20.4M
- Net charge-offs (YTD)
- $1.2M
- 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 |
|---|---|---|
| Hageboeck Charles R | CEO | President & CEO |
| Bumgarner David L | CFO | EVP & Chief Financial Officer |
| Legge Jeffrey Dale | CIO | EVP, CAO & CIO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full City National Bank of West Virginia terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock City National Bank of West Virginia, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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% | 0.29% | 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 95 branches →
| 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 Farmers Deposit 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 | 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 |
| 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 | 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 12, 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 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 22, 1997 | Structure Change | Acquired The Home National Bank of Sutton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 1997 | Structure Change | Acquired Rmi, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 12, 1993 | Structure Change | Acquired The Bank of Cross Lanes Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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
What the public regulatory sources show for City National Bank of West Virginia, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is City National Bank of West Virginia headquartered?
City National Bank of West Virginia is headquartered in Charleston, WV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was City National Bank of West Virginia founded?
City National Bank of West Virginia was established in 1957, per the FDIC institution directory.
Is City National Bank of West Virginia FDIC-insured?
Yes. City National Bank of West Virginia 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is City National Bank of West Virginia's CET1 capital ratio?
City National Bank of West Virginia 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?
City National Bank of West Virginia 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?
City National Bank of West Virginia's Texas Ratio is 1.82% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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