City National Bank of West Virginia
Charleston, West Virginia, Kanawha County
$6.8B in total assets, the 235th largest of 4,309 US banks and 2nd of 41 headquartered in West Virginia.
- FDIC certificate
- 17735
- Established
- 1957
- Owned by
- City Holding Co
- Primary regulator
- OCC
- Website
- www.bankatcity.com
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.8B | 92% | $2.0B | |
| Loans | $4.5B | 91% | $1.4B | |
| Deposits | $5.4B | 92% | $1.7B | |
| Return on assets | 1.99% | 89% | 1.23% | |
| Net interest margin | 3.97% | 66% | 3.71% | |
| Efficiency ratio | 47.5% | 17% | 59.1% | |
| Equity to assets | 10.64% | 54% | 10.38% | |
| Loans to deposits | 83% | 37% | 88% |
Growth
Total assets grew 3.0% a year over the last 5 years and 6.0% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2023 | Citizens Commerce Bank Versailles, KY | $336M |
| Dec 2018 | Farmers Deposit Bank Cynthiana, KY | $114M |
| Dec 2018 | TOWN SQUARE BANK Ashland, KY | $441M |
| Jan 2013 | Community Bank Staunton, VA | $467M |
| May 2012 | Virginia Savings Bank, F.S.B. Front Royal, VA | $133M |
| May 2005 | Classic Bank Ashland, KY | $333M |
| Apr 1999 | Bank of Raleigh Beckley, WV, an affiliate under the same holding company | $427M |
| Apr 1999 | The Twentieth Street Bank Huntington, WV, an affiliate under the same holding company | $308M |
| Apr 1999 | Greenbrier Valley National Bank Lewisburg, WV, an affiliate under the same holding company | $187M |
| Apr 1999 | The National Bank of Summers of Hinton Hinton, WV, an affiliate under the same holding company | $79M |
| Apr 1999 | First National Bank in Marlinton Marlinton, WV, an affiliate under the same holding company | $83M |
| Dec 1997 | Peoples State Bank, National Association Clarksburg, WV, an affiliate under the same holding company | $29M |
| Dec 1997 | Bank of Ripley, National Association Ripley, WV, an affiliate under the same holding company | $87M |
| Dec 1997 | Peoples National Bank Point Pleasant, WV, an affiliate under the same holding company | $154M |
| Dec 1997 | First State Bank and Trust, National Association Rainelle, WV, an affiliate under the same holding company | $105M |
| Dec 1997 | The Old National Bank of Huntington Huntington, WV, an affiliate under the same holding company | $55M |
| Dec 1997 | Blue Ridge Bank, National Association Martinsburg, WV, an affiliate under the same holding company | $132M |
| Dec 1997 | The First National Bank of Hinton Hinton, WV, an affiliate under the same holding company | $92M |
| Dec 1997 | The Merchants National Bank of Montgomery Montgomery, WV, an affiliate under the same holding company | $138M |
| Dec 1997 | The Home National Bank of Sutton Sutton, WV, an affiliate under the same holding company | $76M |
| Jul 1993 | The Bank of Cross Lanes Cross Lanes, WV, an affiliate under the same holding company | $45M |
Where they operate
95 branches in 42 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Kanawha County, WV | $977M | 14.4% | 3 of 13 |
| Raleigh County, WV | $466M | 27.5% | 1 of 11 |
| Greenbrier County, WV | $309M | 33.0% | 1 of 6 |
| Cabell County, WV | $299M | 10.1% | 5 of 13 |
| Berkeley County, WV | $270M | 12.4% | 3 of 9 |
| Putnam County, WV | $258M | 15.4% | 2 of 13 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 10 branches since 2016 (85 to 95, +11.8%). 6 opened, 15 acquired, 11 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 85 | |||
| 2017 | Opened Ashland | 1 | 0 | +1 | 86 |
| 2018 | Acquired Farmers Deposit Bank and TOWN SQUARE BANKOpened 4 in 3 states | 14 | 0 | +14 | 100 |
| 2019 | Sold 1 branch to Select Bank & Trust CompanyClosed 4 in 2 states | 0 | 5 | −5 | 95 |
| 2020 | Closed Cynthiana | 0 | 1 | −1 | 94 |
| 2021 | Opened Falling WatersClosed Martinsburg | 1 | 1 | 0 | 94 |
| 2023 | Acquired Citizens Commerce BankClosed Nicholasville | 5 | 1 | +4 | 98 |
| 2024 | Closed Lexington | 0 | 1 | −1 | 97 |
| 2025 | Closed Worthington | 0 | 1 | −1 | 96 |
| 2026 through Q2 | Closed Ashland | 0 | 1 | −1 | 95 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 52% | 25% | |
| Commercial real estate | 29% | 32% | |
| Business (C&I) | 10% | 14% | |
| Multifamily | 5% | 8% | |
| Construction and land | 1% | 8% | |
| Consumer | 1% | 4% | |
| Farmland | 1% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 52% | |
| Noninterest-bearing | 28% | 21% | |
| Time deposits | 24% | 27% |
Brokered deposits are 0.0% of deposits (peers 6.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.22% | 0.51% |
| Net charge-offs, annualized | 0.05% | 0.04% |
| Reserves to loans | 0.45% | 1.15% |
| Leverage ratio | 9.65% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in West Virginia
Largest competitors in Kanawha County, WV
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/city-west-virginia