BlastPoint's Banking Scorecard
CNB Bank, Inc.
Berkeley Springs, WV
9 branches across WV · MD
CNB Bank, Inc. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Net Interest Margin 0.50% below tier average
- - Efficiency Ratio 2.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$805.2M
+23.8% YoY
+2.4% QoQ
|
+$419.1M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
Top 7.9% in tier |
| Total Loans ? |
$570.1M
+11.4% YoY
+3.6% QoQ
|
+$314.4M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
Top 7.2% in tier |
| Total Deposits ? |
$655.3M
+12.1% YoY
+2.6% QoQ
|
+$327.3M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
Top 9.3% in tier |
| Return on Assets ? |
0.92%
+70.6% YoY
+17.2% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.43%
+9.5% YoY
+3.7% QoQ
|
-0.50% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
67.38%
-14.8% YoY
-4.7% QoQ
|
+2.10% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.04%
-40.3% YoY
+30.4% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
87.01%
-0.6% YoY
+1.0% QoQ
|
+10.37% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
23.55%
-7.3% YoY
-0.8% QoQ
|
+1.53% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.03%
-46.3% YoY
+32.0% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.59%
+25.8% YoY
-0.9% QoQ
|
-1.24% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.17%
-8.1% YoY
-75.6% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.