Side-by-side · Q2 2026 data
Owingsville Banking Company vs City National Bank of West Virginia
Metric by metric
| Measure | Owingsville Banking Company | City National Bank of West Virginia |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 50 (stronger) | 46 |
| Loan quality | 90 | 93 (stronger) |
| Earnings | 44 | 98 (stronger) |
| Funding & liquidity | 76 | 76 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 34th | 86th |
| Total assets | $104.1M | $6.8B |
| Deposits / shares | $92.3M | $5.4B |
| Capital ratio | 10.02% (stronger) | 9.65% |
| Problem loans | 0.29% | 0.22% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.60% | 1.96% (stronger) |
| Loans ÷ deposits | 83.8% | 82.7% (stronger) |
| Uninsured deposits | 12.3% (stronger) | 16.7% |
| Offices | 3 | 95 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.3% |
City National Bank of West Virginia has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Owingsville Banking Company leads on 3 and City National Bank of West Virginia on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.