CNB Bank, Inc.


101 S. Washington Street
Berkeley Springs, WV 25411
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 0.85% →
1-Year CD 0.15% 0.80% →
2-Year CD 0.35% 0.80% →
5-Year CD 0.50% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

CNB Bank, Inc. is an FDIC insured institution located in Berkeley Springs, WV. It was founded in 1917 and has approximately $0.51 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 14507
Date Established 1917
Assets $ 505.41 million
Loans $ 361.36 million
Deposits $ 448.89 million
Capital $ 36.94 million

For a more detailed analysis of CNB Bank, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.03% $50 - Learn More
Money Market
0.05% $1,000 $4,999 Learn More
Money Market
0.05% $5,000 $24,999 Learn More
Money Market
0.05% $25,000 $49,999 Learn More
Premium Money Market Account
0.05% $10,000 $24,999 Learn More
Premium Money Market Account
0.10% $25,000 - Learn More
6 Mo CD
0.10% $500 - Learn More
12 Mo CD
0.15% $500 - Learn More
18 Mo CD
0.25% $500 - Learn More
24 Mo CD
0.35% $500 - Learn More
30 Mo CD
0.50% $500 - Learn More
36 Mo CD
0.35% $500 - Learn More
60 Mo CD
0.50% $500 - Learn More

Variable IRA Rates APY MIN MAX
0.25% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $500 - Learn MoreShow Less

Loan Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CNB Bank, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.063% 3.000%
0.75 points
$2,022 fees
$1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to CNB Bank, Inc.
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CNB Bank, Inc. branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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CNB Bank, Inc. Locations

Financial Details

CNB Bank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CNB Bank, Inc.. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CNB Bank, Inc. U.S. Bank Average
9.34% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, CNB Bank, Inc. had $1,539,000 in non-current loans and $2,320,000 in owned real estate. To cover these potential losses it had $36,937,000 in equity and $4,361,000 in loans loss reserves. That gives it a Texas Ratio of 9.34%.

Return on Equity
CNB Bank, Inc. U.S. Bank Average
9.98% 11.43%

CNB Bank, Inc. has a Return on Equity of 9.98% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

CNB Bank, Inc. U.S. Bank Average
7.31% 11.51%

CNB Bank, Inc. has a Capitalization of 7.31% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CNB Bank, Inc. Balance Sheet Analysis

As of March 31, 2021, CNB Bank, Inc. had assets of $505,410,000, loans of $361,358,000, and deposits of $448,887,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions $ 30.33 million
Interest-bearing balances $ 23.91 million
Total securities $ 90.46 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 361.36 million
Loan loss allowance $ 4.36 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.32 million
Goodwill and other intangibles N.A.
All other assets $ 12.60 million
     Total Assets $ 468.47 million
Total deposits $ 448.89 million
      Interest-bearing deposits $ 304.29 million
      Deposits held in domestic offices $ 448.89 million
      % insured (estimated) 85.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.50 million
Subordinated debt N.A.
All other liabilities $ 9.09 million
      Total Liabilities $ 468.47 million
      Shareholders’ Equity $ 36.94 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 4.26 million
Total Interest Expense $ 0.52 million
Net interest income $ 3.74 million
Provision for loan and lease losses $ 0.13 million
Total non interest income $ 1.36 million
Total non interest expense $ 3.77 million
Pre-tax Net Operating Income $ 1.20 million

Bank Loan Profile?

The top three loan types in CNB Bank, Inc.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in West Virginia, CNB Bank, Inc. has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.43
Credit Card Loans 0.00
Consumer Auto Loans 0.58
Small Business Loans 0.00
Construction and Development Loans 8.30
Commercial Real Estate 25.04
Commercial and Industrial Loans 12.87
Farm Loans 0.00

Frequently Asked Questions About Cnb Bank, Inc.

Branches and Savings

Is Cnb Bank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #14507.

Why does Cnb Bank, Inc. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cnb Bank, Inc. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cnb Bank, Inc. a commercial bank?


Where are Cnb Bank, Inc. locations?

See branch locations nearby.

Is Cnb Bank, Inc. open on Saturdays?

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Will Cnb Bank, Inc. notarize my document?

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Does Cnb Bank, Inc. require US citizenship to open account?

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Does Cnb Bank, Inc. Report to credit bureaus?

Does Cnb Bank, Inc. Use Equifax?

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What is Cnb Bank, Inc.'s SWIFT code?


Does Cnb Bank, Inc. offer mortgages?

Compare mortgage rates here.

Does Cnb Bank, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cnb Bank, Inc. offer personal loans?

Compare personal loan rates here.

Does Cnb Bank, Inc. offer student loans?

Will Cnb Bank, Inc. cash a check?

Will Cnb Bank, Inc. redeem a savings bond?

Does Cnb Bank, Inc. cash savings bonds?

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Can Cnb Bank, Inc. issue a money order?

Does Cnb Bank, Inc. do currency exchange?

Background on The Bank

Who owns Cnb Bank, Inc.?

How long has Cnb Bank, Inc. been around?

Can Cnb Bank, Inc. transfer to other banks?

Does Cnb Bank, Inc. have quick pay?

Does Cnb Bank, Inc. accept rolled coins?

Will Cnb Bank, Inc. accept loose change?

Where is Cnb Bank, Inc. headquarters?

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