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

884 banks in the $1B-$10B peer group nationally 3 in 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 39.8% in tier
+ ROA 0.55% above tier average
+ Net Interest Margin 0.12% above tier average
+ Efficiency Ratio 12.95% below tier average
+ Delinquency Rate 0.64% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$6.7B +2.1% YoY +0.6% QoQ	+$3.9B	$2.8B -0.1% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	Top 8.4% in tier
Total Loans ?	$4.5B +5.0% YoY -0.2% QoQ	+$2.5B	$2.0B +0.6% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	Top 8.9% in tier
Total Deposits ?	$5.4B +1.8% YoY -0.0% QoQ	+$3.1B	$2.3B -0.3% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	Top 8.7% in tier
Return on Assets ?	1.92% +2.1% YoY -4.4% QoQ	+0.55%	1.37% +19.6% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	Top 12.3% in tier
Net Interest Margin ?	3.94% +3.3% YoY -1.2% QoQ	+0.12%	3.82% +6.9% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	48.11% -2.1% YoY +1.2% QoQ	-12.95%	61.06% -4.6% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.25% -33.7% YoY -19.8% QoQ	-0.64%	0.89% +14.1% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	82.14% +3.2% YoY -0.2% QoQ	-2.06%	84.20% +0.3% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	27.83% +1.9% YoY -2.9% QoQ	+6.54%	21.29% -2.5% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.18% -28.5% YoY -18.3% QoQ	-0.50%	0.67% +15.6% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	14.27% -0.8% YoY +6.4% QoQ	-0.89%	15.16% +2.0% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.29% +1.8% YoY -75.1% QoQ	+0.03%	0.26% +1.6% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	Top 14.4% in tier

Get Full Access to City National Bank of West Virginia

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Revenue Diversifier

growth

#89 of 221 • Top 39.8% 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: 0.29%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.92%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Total Assets

size

Value: $6.74B

Peer Median: $2.82B

#75 of 884 Top 8.4% in $1B-$10B

Total Deposits

size

Value: $5.45B

Peer Median: $2.34B

#78 of 884 Top 8.7% in $1B-$10B

Total Loans

size

Value: $4.48B

Peer Median: $1.96B

#80 of 884 Top 8.9% in $1B-$10B

110

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.37%

#110 of 884 Top 12.3% in $1B-$10B

128

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.26%

#128 of 884 Top 14.4% in $1B-$10B

153

Efficiency Ratio

profitability

Value: 48.11%

Peer Median: 61.06%

#153 of 884 Top 17.2% in $1B-$10B

184

Non-Interest-Bearing Deposit Share

funding

Value: 27.83%

Peer Median: 21.29%

#184 of 884 Top 20.7% in $1B-$10B

211

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#211 of 884 Top 23.8% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available