TellerScore

City National Bank of West Virginia is a national bank headquartered in Charleston, West Virginia, in business for about 69 years. At the end of Q2 2026 it reported $6.8B in total assets and $5.4B in deposits, with 97 offices across 4 states.

City National Bank of West Virginia has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 40 banks headquartered in West Virginia, it ranks 10th. Earnings contributes the most (98/100, 1.96%); capital cushion contributes the least (46/100, 9.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.65%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings98/100
Return on assets (annualized): 1.96%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 82.7% · 16.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
737679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202473
Q1 202575
Q2 202577
Q3 202579
Q4 202574
Q1 202676
Q2 202678
Tier 1 leverage ratio
5.00%7.59%10.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.68%
Q3 202410.17%
Q4 20248.72%
Q1 20259.19%
Q2 20259.63%
Q3 202510.18%
Q4 20258.68%
Q1 20269.23%
Q2 20269.65%
Noncurrent loans
0.22%0.30%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.37%
Q4 20240.33%
Q1 20250.37%
Q2 20250.32%
Q3 20250.31%
Q4 20250.31%
Q1 20260.25%
Q2 20260.22%
Return on assets
1.86%1.95%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.89%
Q3 20241.88%
Q4 20241.86%
Q1 20251.88%
Q2 20251.98%
Q3 20252.03%
Q4 20252.01%
Q1 20261.92%
Q2 20261.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$6.8B9.65%0.22%1.96%82.7%
Q1 202676$6.7B9.23%0.25%1.92%82.1%
Q4 202574$6.7B8.68%0.31%2.01%82.3%
Q3 202579$6.6B10.18%0.31%2.03%82.7%
Q2 202577$6.6B9.63%0.32%1.98%81.3%
Q1 202575$6.6B9.19%0.37%1.88%79.6%
Q4 202473$6.4B8.72%0.33%1.86%80.8%
Q3 202478$6.4B10.17%0.37%1.88%80.7%
Q2 202478$6.3B9.68%0.23%1.89%80.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.65%
27th
Total risk-based capital15.48%
72nd
Problem loans0.22%
76th
Net charge-offs0.05%
43rd
Return on assets1.96%
87th
Net interest margin3.97%
66th
Efficiency ratio47.5%
82nd
Loans to deposits82.7%
62nd
Uninsured deposits16.7%
88th
Loan-loss reserves0.45%
4th
Texas ratio1.4%
77th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
MVB Bank, IncBank Fairmont, WV63 out of 100, Moderate$3.5B10.3%1.18%vs
Clear Mountain BankBank Bruceton Mills, WV83 out of 100, Strong$1.0B13.1%0.30%vs

Deposit insurance

Is my money safe at City National Bank of West Virginia?

Yes. City National Bank of West Virginia is an FDIC-insured institution (FDIC certificate #17735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.7% of deposits ($908.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.48% (benchmark: 10%).

Check how much of your own balance is covered

97 locations

Branches

City National Bank of West Virginia lists 95 offices in 74 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, City National Bank of West Virginia reported 4,543 home-loan applications under HMDA (LEI 549300KJZ82173UB3I21): 2,944 originated ($494,370,000 total), 1,177 denied, and 230 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
City National Bank of West Virginia
Former names
The City National Bank of Charleston
Type
National bank
FDIC certificate #
17735
RSSD ID
1011526
Primary regulator
OCC
Holding company
City Holding Co
Established
April 1, 1957
Headquarters
3601 Maccorkle Ave Se, Charleston, WV 25304
Employees
926

Quick answers

City National Bank of West Virginia: common questions

Is City National Bank of West Virginia FDIC insured?

Yes. City National Bank of West Virginia is an FDIC-insured institution (FDIC certificate #17735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is City National Bank of West Virginia's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has City National Bank of West Virginia ever failed?

There is no failure record for FDIC certificate #17735 in the FDIC failed bank list.

How many branches does City National Bank of West Virginia have?

97 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Charleston

InstitutionScoreAssetsCapitalProblem loansCompare
Putnam School Employees Federal Credit UnionCredit union Eleanor, WV99 out of 100, Very strong$14.1M21.0%0.14%vs
Camc Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$80.3M28.3%0.01%vs
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs
West Virginia Federal Credit UnionCredit union South Charlesto, WV88 out of 100, Very strong$141.6M18.5%0.74%vs