CNB Bank, Inc.
Berkeley Springs, WV
IDRSSD: 944627
Total Assets
$786.95M
Latest filing
Total Deposits
$639.29M
Latest filing
Net Interest Margin
3.37%
Profitability
Key People
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Locations
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Main Office
CNB Bank, Inc.
101 S Washington St
Berkeley Springs, WV 25411
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1917FDIC Certificate 9064
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| CNB Bank, Inc. (Main) | 101 S Washington St | Berkeley Springs, WV |
| VALLEY ROAD BRANCH | 1610 Valley Rd | Berkeley Springs, WV |
| HEDGESVILLE BRANCH | 2646 Hedgesville Rd | Martinsburg, WV |
| SOUTH MARTINSBURG BRANCH | 14994 Apple Harvest Dr | Martinsburg, WV |
| HANCOCK BRANCH | 333 E Main St | Hancock, MD |
| SPRING MILLS BRANCH | 1231 T J Jackson Dr | Falling Waters, WV |
| DUAL HIGHWAY BRANCH | 1625 Dual Hwy | Hagerstown, MD |
| HAGERSTOWN BRANCH | 17803 Virginia Ave. | Hagerstown, MD |
Showing 7 of 7
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25411 |
| State and County Number | 54065 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Hagerstown-Martinsburg, MD-WV |
Operational Info
| Number of Employees | 111 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 06/18/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cnb.bank |
| Data Updated | 01/30/2026 |
| CERT | 14507 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $786.95M |
| Total Deposits | $639.29M |
| Total Liabilities | $720.83M |
| Total Equity Capital | $66.11M |
| Net Income | $1.80M |
| Net Loans and Leases | $550.10M |
| Assets Per Employee ($Millions) | $6.96M |
| Bank Premises and Fixed Assets | $9.14M |
| Cash and Balances due from Depository Institutions | $11.12M |
| Deposits Held in Domestic Offices | $639.29M |
Key Performance Ratios
| Return on Assets (ROA) | 0.92% |
| Return on Equity (ROE) | 11.1% |
| Net Interest Margin | 3.37% |
| Efficiency Ratio | 64.03% |
| Tier 1 Risk-Based Capital Ratio | 14.701% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.401% |
| Earning Assets to total Assets | 95.56% |
Income and Expense
| Total Interest Income | $10.09M |
| Total Noninterest Income | $1.48M |
| Total Interest Expense | $3.77M |
| Total Noninterest Expense | $4.99M |
| Net Interest Income | $6.32M |
| Pre-tax Net Operating Income | $2.42M |
| Provision for Credit Losses | $382.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $72.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.54M |
| Total Liabilities and Capital | $786.95M |
Securities
| Securities | $193.87M |
| Available-for-sale debt securities | $193.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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.?
$786.95M as of the latest filing.
How much are CNB Bank, Inc.'s total deposits?
$639.29M in total deposits.
Where is CNB Bank, Inc. located?
Berkeley Springs, WV.
What is the Net Interest Margin?
3.37%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
0.92%.
How much are total loans and leases?
$550.10M (latest filing).
What is the total interest income (latest filing)?
$10.09M.