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CNB Bank, Inc.

Berkeley Springs, WV
IDRSSD: 944627
Total Assets
$781.94M
Latest filing
Total Deposits
$636.14M
Latest filing
Net Interest Margin
3.33%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1917
Community BankYes
Ownership TypeNot Mutual
ZIP25411
State and County Number54065
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number05
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameHagerstown-Martinsburg, MD-WV

Operational Info

Number of Employees109
Domestic Offices9
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/02/2024
Date of Deposit Insurance06/18/1934
Primary Insurance AgencyDIF
Websitewww.cnb.bank
Data Updated11/14/2025
CERT14507
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$781.94M
Total Deposits$636.14M
Total Liabilities$718.05M
Total Equity Capital$63.88M
Net Income$1.57M
Net Loans and Leases$543.08M
Assets Per Employee ($Millions)$7.04M
Bank Premises and Fixed Assets$7.44M
Cash and Balances due from Depository Institutions$11.78M
Deposits Held in Domestic Offices$636.14M

Key Performance Ratios

Return on Assets (ROA)0.87%
Return on Equity (ROE)11.85%
Net Interest Margin3.33%
Efficiency Ratio69.22%
Tier 1 Risk-Based Capital Ratio14.775%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.12%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.17%
Earning Assets to total Assets95.87%

Income and Expense

Total Interest Income$9.07M
Total Noninterest Income$1.44M
Total Interest Expense$3.26M
Total Noninterest Expense$5.02M
Net Interest Income$5.81M
Pre-tax Net Operating Income$2.02M
Provision for Credit Losses$218.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$35.00k
Other borrowed funds$73.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$8.91M
Total Liabilities and Capital$781.94M

Securities

Securities$197.48M
Available-for-sale debt securities$197.48M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of CNB Bank, Inc.?
$781.94M as of the latest filing.
How much are CNB Bank, Inc.'s total deposits?
$636.14M in total deposits.
Where is CNB Bank, Inc. located?
Berkeley Springs, WV.
What is the Net Interest Margin?
3.33%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$543.08M (latest filing).
What is the total interest income (latest filing)?
$9.07M.