City National Bank of West Virginia
City National Bank of West Virginia reported total assets of $6.8 bn at Q2 2026, up 2.7% on a year earlier, the 225th largest of 497 banks in our US coverage. The CET1 capital ratio at City National Bank of West Virginia was 15.01%. City National Bank of West Virginia held deposits of $5.4 bn. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, City National Bank of West Virginia climbed from 146th to 72nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , City National Bank of West Virginia has taken over 3 institutions; the latest was Citizens Commerce Bank on (FDIC Call Reports).
- City National Bank of West Virginia has one of the highest return on equity (ROE) readings among banks of $1 bn to $10 bn: 19.17% at , against a median of 12.68% across 339 banks (FDIC Call Reports).
What sets City National Bank of West Virginia apart
How large is City National Bank of West Virginia?
The balance sheet of City National Bank of West Virginia at : assets $6.8 bn, deposits $5.4 bn, net loans $4.5 bn (loans equal to 82.67% of deposits). Securities make up 21.7% of total assets at City National Bank of West Virginia. Since , when City National Bank of West Virginia held $3.8 bn, its assets grew 77.2%. In the year to , deposits at City National Bank of West Virginia rose 2.1% while its total assets rose 2.7%. At , City National Bank of West Virginia employed 926 full-time equivalent staff across 97 offices, about $7.3 mn of assets per employee and $55.9 mn of deposits per office.
How much funding at City National Bank of West Virginia is uninsured?
At City National Bank of West Virginia, uninsured deposits (above the FDIC limit) made up 16.74% of domestic deposits at (-0.11 pp on a year earlier); City National Bank of West Virginia ranks 438th of 500 on this measure. In dollars, City National Bank of West Virginia estimated $908.2 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.4 bn | +2.1% | 230th of 499 |
| Net loans and leases | $4.5 bn | +3.9% | 233rd of 500 |
| Loan-to-deposit ratio | 82.67% | +1.40 pp | 309th of 500 |
| Tier 1 leverage ratio | 9.65% | +0.02 pp | 350th of 500 |
| Total risk-based capital ratio | 15.48% | -0.10 pp | 139th of 448 |
| Net interest margin | 3.97% | +0.06 pp | 148th of 500 |
| Return on assets (ROA) | 1.96% | -0.03 pp | 58th of 500 |
| Efficiency ratio | 47.54% | -0.97 pp | 108th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $106.4 mn | Narrowed by $16.0 mn | |
| Noncurrent loans to total loans | 0.22% | -0.10 pp | 72nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | +0.04 pp | 201st of 500 (1 = lowest) |
US rank of City National Bank of West Virginia: 1 = highest unless marked 1 = lowest.
Balance sheet
City National Bank of West Virginia: assets, deposits and loans
- Total assets $6.8bn
- Deposits $5.4bn
- Net loans $4.5bn
Capital and securities
The CET1 ratio of City National Bank of West Virginia stood at 15.01% in , -0.09 pp year on year. Low and high at City National Bank of West Virginia since : 10.64% () to 16.00% (). Equity capital of City National Bank of West Virginia at : $718.5 mn, or 10.6% of total assets. City National Bank of West Virginia also reported a total capital ratio of 15.48% for , and a tier 1 leverage ratio of 9.65%.
The available-for-sale portfolio of City National Bank of West Virginia showed an unrealized loss of $106.4 mn at ; the loss narrowed by $16.0 mn over the year.
City National Bank of West Virginia: capital ratios
- Total capital 15%
- CET1 15%
- Tier 1 leverage 9.6%
City National Bank of West Virginia: unrealized securities gains and losses
- Available for sale -$106mn
- Held to maturity $0
Profitability and loan quality
For the year to , City National Bank of West Virginia earned a return on equity of 19.17%; return on assets: 1.96%. Net interest margin at City National Bank of West Virginia: 3.97%, +0.06 pp in a year. City National Bank of West Virginia net income: $65.8 mn, up 1.5% year on year. The efficiency ratio of City National Bank of West Virginia was 47.54%: about 48 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.22% of total loans at City National Bank of West Virginia; net charge-offs: 0.05% of average loans. Gross loans and leases at City National Bank of West Virginia: $4.5 bn, up 3.9% in a year.
City National Bank of West Virginia: profitability
- Return on equity 19%
- Net interest margin 4.0%
- Return on assets 2.0%
Peer group of City National Bank of West Virginia
The peer group of City National Bank of West Virginia is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of City National Bank of West Virginia (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in West Virginia. Against them, City National Bank of West Virginia shows CET1 ratio 15.01% against a peer median of 14.21%, return on equity 19.17% against a peer median of 13.31% and uninsured deposit share 16.74% against a peer median of 27.73%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First National Bank of America | National bank | MI | $6.8 bn | 15.28% | 34.72% | 18.66% | |
| Hinsdale Bank & Trust Company | National bank | IL | $6.8 bn | 10.60% | 14.28% | 36.65% | |
| Intrust Bank | National bank | KS | $6.8 bn | 13.66% | 19.88% | 24.48% | |
| City National Bank of West Virginia | National bank | WV | $6.8 bn | 15.01% | 19.17% | 16.74% | |
| Third Coast Bank | State member bank | TX | $6.7 bn | 12.10% | 11.42% | 30.98% | |
| Heartland Bank and Trust Company | State nonmember bank | IL | $6.7 bn | 14.75% | 11.16% | 23.85% | |
| Alpine Bank | State nonmember bank | CO | $6.7 bn | 15.21% | 12.34% | 38.46% | |
. FDIC Call Reports.
Last eight quarters
Two years at City National Bank of West Virginia, to : assets +5.3%, deposits +5.9%, equity +0.7%. Staff 942 to 926; offices 99 to 97.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $6.4 bn | $6.4 bn | $6.6 bn | $6.6 bn | $6.6 bn | $6.7 bn | $6.7 bn | $6.8 bn |
| Total deposits | $5.1 bn | $5.3 bn | $5.4 bn | $5.3 bn | $5.3 bn | $5.4 bn | $5.4 bn | $5.4 bn |
| Bank equity capital | $713.6 mn | $605.5 mn | $652.7 mn | $692.3 mn | $739.8 mn | $656.5 mn | $685.0 mn | $718.5 mn |
| CET1 ratio | 16.00% | 13.55% | 14.38% | 15.10% | 15.83% | 13.42% | 14.27% | 15.01% |
| Return on equity (ROE) | 18.34% | 18.49% | 19.49% | 19.96% | 19.86% | 19.78% | 19.24% | 19.17% |
| Uninsured share of domestic deposits | 17.94% | 17.56% | 17.07% | 16.85% | 17.53% | 17.09% | 16.79% | 16.74% |
| Full-time equivalent employees | 942 | 943 | 944 | 936 | 936 | 936 | 930 | 926 |
| Number of offices | 99 | 99 | 99 | 98 | 98 | 98 | 98 | 97 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of City National Bank of West Virginia, oldest first; figures before and after each event are not like for like.
- . Absorbed Farmers Deposit Bank (FDIC certificate 266).
- . Absorbed TOWN SQUARE BANK (FDIC certificate 29877).
- . Absorbed Citizens Commerce Bank (FDIC certificate 34256).
Questions and identifiers
What were the total assets of City National Bank of West Virginia?
City National Bank of West Virginia reported $6.8 bn at in its Call Report. That makes City National Bank of West Virginia the 225th largest of 497 banks in our US coverage.
Is City National Bank of West Virginia the same as its holding company?
No. This page covers City National Bank of West Virginia, FDIC certificate 17735; CITY HOLDING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is City National Bank of West Virginia profitable?
City National Bank of West Virginia reported net income of $65.8 mn for the year to ; annualized return on equity: 19.17%. So yes: City National Bank of West Virginia made a profit over these months.
When is data for City National Bank of West Virginia next updated?
Figures from City National Bank of West Virginia for are due after .
Where can I check the figures for City National Bank of West Virginia?
In the FDIC BankFind Suite record for certificate 17735, and in the Call Reports of City National Bank of West Virginia (RSSD ID 1011526) at the FFIEC Central Data Repository.