BlastPoint's Banking Scorecard
CNB Bank, Inc.
Community
Specialty: Commercial
WV
FDIC cert 14507
Berkeley Springs, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
CNB Bank, Inc. shows strong momentum with 2 strengths and 23.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$786.3M
+23.1% YoY
+0.6% QoQ
|
-$605.1M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$550.1M
+10.3% YoY
+1.3% QoQ
|
-$425.4M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$638.7M
+11.9% YoY
+0.4% QoQ
|
-$525.9M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.78%
+17.0% YoY
+8.2% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.30%
+10.3% YoY
+1.6% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
70.73%
-5.7% YoY
-3.6% QoQ
|
+8.10% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.03%
-58.9% YoY
-50.8% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
86.13%
-1.5% YoY
+0.9% QoQ
|
+3.07% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
23.73%
-4.6% YoY
-1.9% QoQ
|
+2.68% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.02%
-63.2% YoY
-54.8% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
14.72%
+24.6% YoY
-0.4% QoQ
|
+4.48% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.68%
-13.7% YoY
+37.4% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.73% · Tier avg: 21.05%
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.13% · Tier avg: 83.06%
37
37th pctile
Total Loans
Current: $550.1M · Tier avg: $975.5M
34
34th pctile
Total Assets
Current: $786.3M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $638.7M · Tier avg: $1.2B
31
31th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
25
25th pctile
Efficiency Ratio
Current: 70.73% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
Top Weaknesses
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
25
25th pctile
Efficiency Ratio
Current: 70.73% · Tier avg: 62.63%
31
31th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
32
32th pctile
Total Deposits
Current: $638.7M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $786.3M · Tier avg: $1.4B
37
37th pctile
Total Loans
Current: $550.1M · Tier avg: $975.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 86.13% · Tier avg: 83.06%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.73% · Tier avg: 21.05%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%