BlastPoint

BlastPoint's Banking Scorecard

City National Bank of West Virginia

$1B-$10B Specialty: Commercial WV FDIC cert 17735

Charleston, WV

97 branches across WV · KY · VA · OH

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 885 banks in the $1B-$10B peer group nationwide — 1 of 3 in WV.
  • Deposits +2.1% year over year ($5.4B on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.96%.
  • Efficiency ratio 47.54% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.67% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 3 in WV
View $1B-$10B leaderboard (WV) →

City National Bank of West Virginia demonstrates 5 strengths

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

  • + Revenue Diversifier: Top 36.0% in tier
  • + Credit Quality Leader: Top 36.2% in tier
  • + ROA 0.56% above tier average
  • + Net Interest Margin 0.09% above tier average
  • + Efficiency Ratio 12.19% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when City National Bank of West Virginia releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Total Assets ? $6.8B
+2.7% YoY +0.2% QoQ
+$4.0B $2.8B
-0.6% YoY
$1.3B
+5.7% YoY
$6.3B
+7.7% YoY
Top 7.5% in tier
Total Loans ? $4.5B
+3.9% YoY +0.2% QoQ
+$2.5B $2.0B
-0.3% YoY
$899.3M
+7.6% YoY
$3.2B
+9.4% YoY
Top 9.0% in tier
Total Deposits ? $5.4B
+2.1% YoY -0.4% QoQ
+$3.1B $2.3B
-0.5% YoY
$1.1B
+6.2% YoY
$4.9B
+7.3% YoY
Top 8.1% in tier
Return on Assets ? 1.96%
-1.5% YoY +1.9% QoQ
+0.56% 1.39%
+17.0% YoY
1.06%
+30.6% YoY
1.30%
+12.1% YoY
Top 13.2% in tier
Net Interest Margin ? 3.97%
+1.6% YoY +0.8% QoQ
+0.09% 3.87%
+6.2% YoY
3.90%
+8.7% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 47.54%
-2.0% YoY -1.2% QoQ
-12.19% 59.73%
-12.6% YoY
68.34%
-7.3% YoY
70.05%
+2.5% YoY
83%
Delinquency Rate ? 0.23%
-30.8% YoY -9.5% QoQ
-0.64% 0.87%
+11.7% YoY
0.74%
+17.9% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 82.67%
+1.7% YoY +0.6% QoQ
-2.37% 85.04%
-0.1% YoY
79.72%
+2.0% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 27.79%
+1.9% YoY -0.1% QoQ
+6.51% 21.27%
-1.5% YoY
26.43%
-1.4% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.16%
-27.6% YoY -10.6% QoQ
-0.52% 0.67%
+11.7% YoY
0.55%
+10.4% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 15.01%
-0.7% YoY +5.1% QoQ
+0.16% 14.84%
-0.4% YoY
14.02%
-0.7% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.60%
+4.0% YoY +107.5% QoQ
+0.08% 0.53%
+2.5% YoY
0.30%
+5.9% YoY
0.66%
+5.2% YoY
Top 13.6% in tier

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 27.8%
+0.5pp YoY
0.0pp QoQ
 +6.4pp 21.4% 27.1% 22.2% 78%
Brokered Deposits n/a n/a 9.5% 3.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
C&I 10.0%
+0.7pp YoY
+0.3pp QoQ
 -4.0pp 14.0% 7.1% 12.5% 44%
CRE 35.8%
+0.1pp YoY
-0.1pp QoQ
 -14.2pp 50.0% 33.8% 41.4% 17%
1-4 Family 52.4%
-0.6pp YoY
-0.1pp QoQ
 +25.9pp 26.4% 52.8% 31.3% 91%
Consumer 0.9%
-0.4pp YoY
-0.1pp QoQ
 -3.8pp 4.7% 7.9% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
CET1 Ratio 15.0%
-0.1pp YoY
+0.7pp QoQ
 -0.6pp 15.6% 17.1% 19.7% 69%
Leverage Ratio 9.6%
0.0pp YoY
+0.4pp QoQ
 -1.7pp 11.3% 11.6% 12.6% 27%
Total Capital Ratio 15.5%
-0.1pp YoY
+0.7pp QoQ
 -1.2pp 16.7% 18.1% 20.8% 63%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Full-Time Employees 926
-10 (-1.1%) YoY
-4 (-0.4%) QoQ
 +612 313 161 482 96%
Assets per Employee ($) $7.3M
+3.8% YoY
+0.7% QoQ
 -$3.2M $10.5M $6.1M $8.8M 27%
Branch Count 97
-1 (-1.0%) YoY
-1 (-1.0%) QoQ
 +77 20 13 18 99%

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
 -0.2pp 0.2% 0.1% 0.4% 14%
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.7% 1.0% 23%
Allowance Coverage 2.02x
+43.8% YoY
+13.9% QoQ
 -16.69x 18.71x 6.60x 20.23x 50%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
ROE 19.2%
-0.8pp YoY
-0.1pp QoQ
 +6.6pp 12.6% 10.6% 11.6% 88%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.9% 1.5% 1.7% 12%
Net Income ($, YTD) $65.8M
+1.5% YoY
— QoQ
 +$46.6M $19.2M $9.0M $40.4M 97%

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 (2)

Revenue Diversifier

growth
#81 of 222 • Top 36.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.60%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.96%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#81 of 221 • Top 36.2% in tier

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

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (9 metrics)

67
Total Assets
size
Value: $6.76B
Peer Median: $2.79B
#67 of 885 Top 7.5% in $1B-$10B
73
Total Deposits
size
Value: $5.43B
Peer Median: $2.32B
#73 of 885 Top 8.1% in $1B-$10B
81
Total Loans
size
Value: $4.49B
Peer Median: $1.96B
#81 of 885 Top 9.0% in $1B-$10B
118
Return on Assets
profitability
Value: 1.96%
Peer Median: 1.39%
#118 of 885 Top 13.2% in $1B-$10B
121
Non-Interest Income / Assets
revenue_mix
Value: 0.60%
Peer Median: 0.53%
#121 of 885 Top 13.6% in $1B-$10B
151
Efficiency Ratio
profitability
Value: 47.54%
Peer Median: 59.73%
#151 of 885 Top 16.9% in $1B-$10B
191
Non-Interest-Bearing Deposit Share
funding
Value: 27.79%
Peer Median: 21.27%
#191 of 885 Top 21.5% in $1B-$10B
201
Nonperforming Asset Ratio
credit_quality
Value: 0.16%
Peer Median: 0.67%
#201 of 885 Top 22.6% in $1B-$10B
208
Delinquency Rate
credit_quality
Value: 0.23%
Peer Median: 0.87%
#208 of 882 Top 23.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026