BlastPoint's Banking Scorecard
City National Bank of West Virginia
Mid-Market
Specialty: Commercial
WV
FDIC cert 17735
Charleston, WV
201
banks in Mid-Market tier nationally
1 in WV
View Mid-Market leaderboard (WV) →
City National Bank of West Virginia demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 36% in Mid-Market
- + Revenue Diversifier: Top 38% in Mid-Market
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 ? |
$6.7B
+4.1% YoY
+0.8% QoQ
|
-$3.8B |
$10.5B
+2.9% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$4.5B
+5.5% YoY
+2.1% QoQ
|
-$2.6B |
$7.1B
+4.5% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$5.4B
+3.6% YoY
+2.6% QoQ
|
-$3.1B |
$8.5B
+3.0% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
2.01%
+7.8% YoY
-1.3% QoQ
|
+0.84% |
1.16%
+9.4% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.98%
+2.3% YoY
+0.4% QoQ
|
+0.59% |
3.40%
+7.9% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
47.55%
-1.5% YoY
+0.1% QoQ
|
-9.06% |
56.60%
-3.2% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.31%
-7.2% YoY
-1.2% QoQ
|
-0.37% |
0.68%
+12.0% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
82.33%
+1.9% YoY
-0.4% QoQ
|
-3.14% |
85.47%
+1.1% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
28.67%
+3.2% YoY
+6.4% QoQ
|
+8.03% |
20.64%
-0.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.21%
-5.8% YoY
+0.1% QoQ
|
-0.28% |
0.50%
+7.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.42%
-0.9% YoY
-15.2% QoQ
|
-0.13% |
13.55%
+1.8% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
1.16%
-0.9% YoY
+33.4% QoQ
|
+0.21% |
0.96%
+7.1% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#19 of 51 · Top 36% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.01%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#19 of 49 · Top 38% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.16%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
2.01%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.16%
83
83th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.96%
82
82th pctile
Efficiency Ratio
Current: 47.55% · Tier avg: 56.60%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 28.67% · Tier avg: 20.64%
77
77th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.40%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.68%
64
64th pctile
Loan-to-Deposit Ratio
Current: 82.33% · Tier avg: 85.47%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.42% · Tier avg: 13.55%
30
30th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
29
29th pctile
Total Assets
Current: $6.7B · Tier avg: $10.5B
27
27th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
Top Weaknesses
27
27th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
29
29th pctile
Total Assets
Current: $6.7B · Tier avg: $10.5B
30
30th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
59
59th pctile
Tier 1 Capital Ratio
Current: 13.42% · Tier avg: 13.55%
64
64th pctile
Loan-to-Deposit Ratio
Current: 82.33% · Tier avg: 85.47%
75
75th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.68%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
77
77th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.40%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 28.67% · Tier avg: 20.64%
82
82th pctile
Efficiency Ratio
Current: 47.55% · Tier avg: 56.60%
83
83th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.96%
94
94th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.16%