FDIC Cert #14507 · Berkeley Springs, West Virginia · Est. 1917

CNB Bank, Inc. - FDIC Bank Health Profile

A community-scale look at CNB Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$786M
Total assets
B
Health grade · Good
0.78%
Return on assets
14.7%
Tier 1 capital

Data updated July 2026

The verdict

CNB Bank, Inc. earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.72% Tier 1, 0.78% ROA, 71% efficiency ratio.

#1,274
largest of 4,313 FDIC banks by assets
70th
percentile by asset size, nationally
14.72%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 14507 · WV B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2748/4307
  • PHOTO-FINISH Community Savings Bank · IA
  • TIER1-WELL 14.7% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-PAR 0.78% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside West Virginia: Community Savings Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around CNB Bank, Inc.

Lowest and highest poles plus nearest scored peers outside West Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100CNB Bank, Inc. · WV · this b…73/100Community Savings Bank · IA …73/100First Bank of Utica · NE · n…73/100The Malvern National… · AR ·…73/100Union State Bank · IA · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around CNB Bank, Inc. · July 2026

Plate reading for CNB Bank, Inc. where failures stay rare

CNB Bank, Inc. (FDIC Cert #14507) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,748 of 4,307. Tier 1 capital prints at 14.72%, clearing the 10% well-capitalized line. The Texas Ratio is 0.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.78%. Balance-sheet scale is $786M, 1,274th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Savings Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around CNB Bank, Inc.

Only 2 FAILURE resolutions in West Virginia since 2000

CNB Bank, Inc. is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE FIRST STATE BANK BARBOURSVILLE, WV 2020 → MVB BANK, INC
  • AMERIBANK, INC. NORTHFORK, WV 2008 → THE CITIZENS SAVINGS BANK
  • FIRST NB OF KEYSTONE KEYSTONE, WV 1999 → AMERIBANK, INCORPORATED

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and West Virginia banks.

How CNB Bank, Inc.'s 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
CNB Bank, Inc.'s composite health score
Tier 1 Capital Ratio (14.72%) 35/40
Return on Assets (ROA) (0.78%) 14/25
Texas Ratio (0.25%) 20/20
Efficiency Ratio (70.73%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$786M

Total balance-sheet footings

Total Deposits

$639M

Customer-funded liabilities

Net Loans

$550M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.32% 14.72% 16.12%
Basel III capital ratios - CNB Bank, Inc.

Where CNB Bank, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CNB Bank, Inc.'s score of 73/100 falls in the highlighted band.

CNB Bank, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 36th percentile higher than 36% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. CNB Bank, Inc. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

CNB Bank, Inc.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CNB Bank, Inc.'s $786M falls in the highlighted band.

Safety metrics: CNB Bank, Inc.

Tier 1 capital ratio
Well-capitalized 10%

14.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.72%
Texas Ratio
0.25%
Equity Capital
$66M

What these ratios mean →

Profitability metrics: CNB Bank, Inc.

Return on Assets (ROA)
28th percentile nationally
0.78%
Return on Equity (ROE)
10.86%
Efficiency Ratio
70.73%

What these mean →

Income & expense at CNB Bank, Inc.

$35M
Interest Income
$5M
Non-Interest Income
$20M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. CNB Bank, Inc. reports a Texas Ratio of 0.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View CNB Bank, Inc. on FDIC BankFind →

Top banks in West Virginia by total assets

Largest banks headquartered in West Virginia
  1. 1
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  2. 2
    City National Bank of West Virginia $6.7B

    Charleston, WV · Grade A

  3. 3
    MVB Bank, Inc $3.3B

    Fairmont, WV · Grade B

  4. 4
    Clear Mountain Bank $985M

    Bruceton Mills, WV · Grade A

  5. 5
    Potomac Bank $943M

    Charles Town, WV · Grade A

Top 5 banks in West Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($786M here), outside West Virginia so the neighborhood is not state containment.

BAC Community Bank $786M · CA Peach State Bank & Trust $786M · GA Axiom Bank $784M · FL People's Bank of Commerce $789M · OR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CNB Bank, Inc. (FDIC Cert #14507) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

CNB Bank, Inc. Call Report profile · FDIC Failed Bank List · West Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in West Virginia

All West Virginia banks →
BankAssetsGradeROA
WesBanco Bank, Inc.Wheeling $27.6B A 0.91%
City National Bank of West VirginiaCharleston $6.7B A 2.01%
MVB Bank, IncFairmont $3.3B B 1.46%
Clear Mountain BankBruceton Mills $985M A 1.28%
Potomac BankCharles Town $943M A 1.04%
Pendleton Community Bank, Inc.Franklin $814M B 1.01%
Citizens Bank of West Virginia, Inc.Elkins $705M A 1.59%
Putnam County BankHurricane $651M B 0.88%