CNB Bank, Inc.

Overview / Commentary

www.cnbwv.com

888-258-1520

101 S. Washington Street
Berkeley Springs, WV 25411

CNB Bank, Inc. is headquartered in Berkeley Springs and is the 12^th largest bank in the state of West Virginia. It is also the 1,713^th largest bank in the nation. It was established in 1917 and as of December of 2020, it had grown to 102 employees at 8 locations. CNB Bank, Inc. has a B+ health rating.

Reviews (1)

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Very Bad Experience

Posted by: CNBUser | Nov 1, 2018

This bank is extremely unprofessional. Always paid all credit card bills on time in full. My credit history has been excellent. Once I did not receive their statement and was not aware of any payment due since I did not receive their statement. They created a credit alert that I saw on Lending Tree. Immediately called when I found out balance is due and paid it off fully on the phone. I explained that I did not receive their statement but they did not care. They said it is not a banking error. I explained to then that I did not receive their statement and they can check that I have never been late on payments. But, they don’t care. I just got this credit card for AA miles and free bag checkin. Had to pay a very high price for this card. Very unprofessional bank. Manager was the worst. Extremely rude and unprofessional.

Comment

Health

B+

Data as of Q4 2020

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	14507
Year Established	1917
Employees	102
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.71%
Return on Equity - YTD	8.62%
Annual Interest Income	$16.6MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$481.4MM$417.2MM
Loans	Q4 2020vs Q4 2019	$353.8MM$317.6MM
Deposits	Q4 2020vs Q4 2019	$422.6MM$361.1MM
Equity Capital	Q4 2020vs Q4 2019	$37.2MM$35.6MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$4.2MM$3.3MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$1.4MM$1.3MM
Real Estate Owned	Q4 2020vs Q4 2019	$2.3MM$2.7MM

Rates

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Checking
CD
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Always verify rates and promotions with the bank or credit union. We are not CNB Bank, Inc.; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CNB Bank, Inc. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.25% → $10k+

CNB Bank, Inc. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.25%	-	$10k	Kasasa Cash Checking

CNB Bank, Inc. CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$500	-	30 Month CD
0.40%	$500	-	60 Month CD
0.40%	$5k	-	26 Month CD (1 Time Bump)
0.40%	$500	-	42 Month CD (1 Time Bump)
0.40%	$500	-	13 Month CD
0.30%	$500	-	8 Month CD
0.25%	$500	-	18 Month CD
0.25%	$500	-	24 Month CD
0.25%	$500	-	36 Month CD
0.15%	$500	-	12 Month CD
0.10%	$1k	-	6 Month CD
0.05%	$1k	-	7 to 30 Day CD
0.05%	$1k	-	91 Day CD

CNB Bank, Inc. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$500	-	60 Month IRA
0.40%	$500	-	36 Month IRA
0.25%	$500	-	18 Month IRA
0.25%	$500	-	24 Month IRA
0.25%	$1	-	18 Month Flex IRA
0.15%	$500	-	12 Month IRA

Locations

CNB Bank, Inc. Locations
Cnb Bank, Inc.	101 S. Washington Street	Berkeley Springs, WV 25411
Spring Mills Branch	1231 T.j. Jackson Drive	Falling Waters, WV 25419
South Martinsburg Branch	14994 Apple Harvest Drive	Martinsburg, WV 25405
Valley Road Branch	1610 Valley Road	Berkeley Springs, WV 25411
Hedgesville Branch	2646 Hedgesville Road	Martinsburg, WV 25403
Hancock Branch	333 E. Main Street	Hancock, MD 21750
Longmeadow Shopping Center Branch	1591 Potomac Avenue	Hagerstown, MD 21742
Dual Highway Branch	1625 Dual Highway	Hagerstown, MD 21740

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