BlastPoint's Banking Scorecard

CNB Bank, Inc.

$100M-$1B Specialty: Commercial WV FDIC cert 14507

Berkeley Springs, WV

9 branches across WV · MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
Deposits +8.3% year over year ($652.5M on the books).
Delinquency rate 0.09%.
Return on assets 1.05%.
Efficiency ratio 64.16% vs a 64.48% peer average.
Loan-to-deposit ratio 88.64% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV

View $100M-$1B leaderboard (WV) →

CNB Bank, Inc. has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 2.0% in tier
+ Efficiency Ratio 0.32% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.5% in tier
- Credit Risk Growth: Bottom 42.8% in tier
- ROA 0.27% below tier average
- Net Interest Margin 0.47% below tier average

Get updates when CNB Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$805.7M +19.6% YoY +0.1% QoQ	+$419.1M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	Top 7.8% in tier
Total Loans ?	$578.3M +10.6% YoY +1.4% QoQ	+$320.0M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	Top 7.0% in tier
Total Deposits ?	$652.5M +8.3% YoY -0.4% QoQ	+$325.7M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	Top 9.3% in tier
Return on Assets ?	1.05% +59.6% YoY +14.4% QoQ	-0.27%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	37%
Net Interest Margin ?	3.51% +7.7% YoY +2.5% QoQ	-0.47%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	64.16% -15.3% YoY -4.8% QoQ	-0.32%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	45%
Delinquency Rate ?	0.09% +77.0% YoY +102.4% QoQ	-0.83%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	88.64% +2.1% YoY +1.9% QoQ	+10.68%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	25.15% +0.3% YoY +6.8% QoQ	+3.12%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.06% +63.7% YoY +105.2% QoQ	-0.61%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	14.56% +28.4% YoY -0.2% QoQ	-1.35%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.36% -1.6% YoY +114.4% QoQ	-0.21%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Noninterest-Bearing	25.2% +0.1pp YoY +1.6pp QoQ	+3.0pp	22.1%	27.1%	22.2%	66%
Brokered Deposits	1.6% -0.1pp YoY 0.0pp QoQ	-6.3pp	7.9%	3.0%	8.5%	25%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	4.5% +0.1pp YoY -0.2pp QoQ	-7.1pp	11.6%	7.1%	12.5%	17%
CRE	35.9% +1.8pp YoY +1.2pp QoQ	-3.7pp	39.5%	33.8%	41.4%	44%
1-4 Family	56.5% -1.7pp YoY -0.6pp QoQ	+23.9pp	32.6%	52.8%	31.3%	87%
Consumer	3.9% -0.1pp YoY -0.3pp QoQ	-0.2pp	4.1%	7.9%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	14.6% +3.2pp YoY 0.0pp QoQ	-4.3pp	18.8%	17.1%	19.7%	45%
Leverage Ratio	9.5% +1.6pp YoY +0.1pp QoQ	-2.7pp	12.2%	11.6%	12.6%	21%
Total Capital Ratio	15.8% +3.2pp YoY 0.0pp QoQ	-4.1pp	19.9%	18.1%	20.8%	46%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	110 +1 (+0.9%) YoY +4 (+3.8%) QoQ	+51	58	161	482	90%
Assets per Employee ($)	$7.3M +18.5% YoY -3.6% QoQ	-$194K	$7.5M	$6.1M	$8.8M	58%
Branch Count	9 0 YoY 0 QoQ	+4	4	13	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.4%	30%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	13%
Allowance Coverage	12.77x -42.6% YoY -49.8% QoQ	-11.38x	24.15x	6.60x	20.23x	85%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.1%	0.1%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	12.5% +2.1pp YoY +1.5pp QoQ	+0.3pp	12.2%	10.6%	11.6%	52%
Cost of Funds (YTD)	1.9% 0.0pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.5%	1.7%	63%
Net Income ($, YTD)	$4.2M +95.0% YoY — QoQ	+$1.6M	$2.6M	$9.0M	$40.4M	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#14 of 659 • Top 2.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#121 of 1256 • Bottom 9.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#402 of 936 • Bottom 42.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

185

Total Loans

size

Value: $578.31M

Peer Median: $258.35M

#185 of 2643 Top 7.0% in $100M-$1B

207

Total Assets

size

Value: $805.67M

Peer Median: $386.57M

#207 of 2643 Top 7.8% in $100M-$1B

248

Total Deposits

size

Value: $652.46M

Peer Median: $326.73M

#248 of 2643 Top 9.3% in $100M-$1B

517

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.57%

#517 of 2643 Top 19.5% in $100M-$1B

614

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#614 of 2643 Top 23.2% in $100M-$1B

646

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.92%

#646 of 2633 Top 24.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available