TellerScore

Headquartered in Berkeley Springs, West Virginia, CNB Bank, Inc. is a state-chartered bank with $805.7M in total assets and $652.5M in deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1917.

CNB Bank, Inc. has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 21st. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (45/100, 9.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.50%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 88.6% · 23.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.67%

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

From Q2 2025 to Q2 2026, the score rose 7 points (63 → 70), mostly because the capital cushion component improved by 16 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202462
Q1 202562
Q2 202563
Q3 202569
Q4 202568
Q1 202669
Q2 202670
Tier 1 leverage ratio
5.00%7.56%10.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.85%
Q3 20247.93%
Q4 20247.91%
Q1 20257.88%
Q2 20257.87%
Q3 202510.12%
Q4 20259.33%
Q1 20269.40%
Q2 20269.50%
Noncurrent loans
0.03%0.10%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.17%
Q4 20240.08%
Q1 20250.07%
Q2 20250.05%
Q3 20250.07%
Q4 20250.03%
Q1 20260.04%
Q2 20260.09%
Return on assets
0.54%0.79%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.72%
Q4 20240.67%
Q1 20250.54%
Q2 20250.66%
Q3 20250.72%
Q4 20250.78%
Q1 20260.92%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$805.7M9.50%0.09%1.05%88.6%
Q1 202669$805.2M9.40%0.04%0.92%87.0%
Q4 202568$786.3M9.33%0.03%0.78%86.1%
Q3 202569$781.9M10.12%0.07%0.72%85.4%
Q2 202563$673.7M7.87%0.05%0.66%86.8%
Q1 202562$650.3M7.88%0.07%0.54%87.6%
Q4 202462$638.7M7.91%0.08%0.67%87.4%
Q3 202462$640.7M7.93%0.17%0.72%85.1%
Q2 202463$625.3M7.85%0.09%0.74%86.7%

2,650 peers · $100 million – $1 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 ratio9.50%
21st
Total risk-based capital15.81%
72nd
Problem loans0.09%
75th
Net charge-offs-0.00%
83rd
Return on assets1.05%
37th
Net interest margin3.51%
28th
Efficiency ratio64.2%
45th
Loans to deposits88.6%
29th
Uninsured deposits23.1%
53rd
Loan-loss reserves1.10%
39th
Texas ratio0.7%
74th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank of West Virginia, Inc.Bank Elkins, WV74 out of 100, Strong$772.5M10.0%0.58%vs
Pendleton Community Bank, Inc.Bank Franklin, WV61 out of 100, Moderate$849.7M8.7%0.85%vs
Putnam County BankBank Hurricane, WV80 out of 100, Strong$704.2M12.3%0.00%vs
The Poca Valley Bank, Inc.Bank Walton, WV61 out of 100, Moderate$666.2M7.8%0.37%vs
Potomac BankBank Charles Town, WV73 out of 100, Strong$980.2M9.9%0.08%vs
Jefferson Security BankBank Shepherdstown, WV69 out of 100, Moderate$566.1M8.4%0.01%vs

Deposit insurance

Is my money safe at CNB Bank, Inc.?

Yes. CNB Bank, Inc. is an FDIC-insured institution (FDIC certificate #14507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.1% of deposits ($150.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.81% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

CNB Bank, Inc. lists 9 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, CNB Bank, Inc. reported 285 home-loan applications under HMDA (LEI 254900EDYO1UYWLWP146): 231 originated ($82,515,000 total), 25 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.5%, 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
CNB Bank, Inc.
Former names
Citizens National Bank of Berkeley Springs
Type
State-chartered bank
FDIC certificate #
14507
RSSD ID
944627
Primary regulator
FDIC
Holding company
Cnb Financial Services Inc
Established
January 1, 1917
Headquarters
101 S Washington St, Berkeley Springs, WV 25411
Employees
110

Quick answers

CNB Bank, Inc.: common questions

Is CNB Bank, Inc. FDIC insured?

Yes. CNB Bank, Inc. is an FDIC-insured institution (FDIC certificate #14507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CNB Bank, Inc.'s TellerScore?

70 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 CNB Bank, Inc. ever failed?

There is no failure record for FDIC certificate #14507 in the FDIC failed bank list.

How many branches does CNB Bank, Inc. have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Berkeley Springs

InstitutionScoreAssetsCapitalProblem loansCompare
Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV92 out of 100, Very strong$17.1M13.9%0.32%vs
Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV83 out of 100, Strong$18.8M12.2%0.16%vs
First Peoples Community Federal Credit UnionCredit union Cumberland, MD80 out of 100, Strong$666.1M13.6%0.53%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
Berkeley County Public Schools Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$8.0M10.1%0.10%vs
167th Tfr Federal Credit UnionCredit union Martinsburg, WV78 out of 100, Strong$72.5M10.7%0.44%vs