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Overview / Commentary
101 S. Washington Street
Berkeley Springs, WV 25411

CNB Bank, Inc. is headquartered in Berkeley Springs and is the 18st largest bank in the state of West Virginia. It is also the 2,263rd largest bank in the nation. It was established in 1917 and as of June of 2014, it had grown to 86 employees at 6 locations. CNB Bank, Inc. has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 CNB Bank, Inc. had $4.51 million in non-current loans and owned real-estate with $33.62 million in equity and loan loss allowances on hand to cover it. This gives CNB Bank, Inc. a Texas Ratio of 13.42% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CNB Bank, Inc. decreased dramatically from 32.14% as of June 30, 2013 to 13.42% as of June 30, 2014, resulting in a positive change of 58.25%.This indicates that the balance sheet and financial strength for CNB Bank, Inc. has improved dramatically in recent periods.

Deposit Growth


In the past year, CNB Bank, Inc. has decreased its total deposits by -$2.47 million, resulting in -1.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CNB Bank, Inc. has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CNB Bank, Inc. has $286.15 million in assets with $33.62 million in equity, resulting in a capitalization level of 11.75%, which is excellent.

Institution Statistics

FDIC Certificate #14507
Year Established1917
Primary RegulatorFDIC
Assets and Liabilities
Assets$286.15 million
Loans$177.34 million
Deposits$237.65 million
Equity Capital$28.54 million
Loan Loss Allowance$5.09 million
Unbacked Noncurrent Loans$4.15 million
Real Estate Owned$367,000
Historic Data - June 2013
Assets$277.44 million
Equity Capital$26.35 million
Loan Loss Allowance$7.68 million
Unbacked Noncurrent Loans$4.15 million
Real Estate Owned$677,000
Profit Margin - Quarterly
Return on Assets0.6%
Return on Equity6.13%
Interest Income$5.65 million

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CNB Bank, Inc. Savings Account Rates

0.03%$50-Statement Savings
0.03%--Christmas Club

CNB Bank, Inc. Money Market Rates

0.10%$50k-Money Market

CNB Bank, Inc. Checking Account Rates

0.10%$25k-Ultimate Invest Account
0.03%$500-Now Account

CNB Bank, Inc. CD Rates

1.10%$500-60 Month CD
0.80%$1k-48 Month Double Opportunity CD
0.55%$1k-36 Month Ultimate CD
0.50%$500-30 Month CD
0.45%$5k-28 Month CD
0.35%$500-24 Month CD
0.25%$500-18 Month CD
0.15%$500-12 Month CD
0.10%$1k-182 Day CD
0.05%$1k-7 to 30 Day CD
0.05%$1k-91 Day CD

CNB Bank, Inc. IRA Rates

1.10%$500-60 Month IRA
0.80%$1k-48 Month Double Opportunity IRA
0.55%$1k-36 Month Ultimate IRA
0.50%$500-30 Month IRA
0.35%$500-24 Month IRA
0.25%$500-18 Month IRA
0.20%--18 Month Variable IRA
0.15%$500-12 Month IRA

CNB Bank, Inc. Locations
Cnb Bank, Inc.101 S. Washington StreetBerkeley Springs, WV 25411
Spring Mills Branch1231 T.j. Jackson DriveFalling Waters, WV 25419
South Martinsburg Branch14994 Apple Harvest DriveMartinsburg, WV 25405
Valley Road Branch1610 Valley RoadBerkeley Springs, WV 25411
Hedgesville Branch2646 Hedgesville RoadMartinsburg, WV 25403
Hancock Branch333 E. Main StreetHancock, MD 21750