$576M
+11.4%y/y
Percentile by value87th percentileby value
FDIC
LNLSGRCB
CNB Bank, Inc.
Berkeley Springs, West VirginiaFDIC Cert #14507
STATEEstablished 19178 branches
Holding company: CNB FINANCIAL SERVICES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $56.8M |
| Investor CRE | $81.3M |
| Multifamily | $13.6M |
| Construction | $45.9M |
| 1–4 family | $326M |
| C&I | $26.5M |
| Agriculture | $444K |
| Other | $26.2M |
Loan book
Reported balances and balance-sheet intensity.
$570M
+11.4%y/y
Percentile by value87th percentileby value
FDIC
LNLSNET+11.39%
−0.6%y/y
Percentile by value78th percentileby value
FDIC
LNLSNET87.0%
−0.6%y/y
Percentile by value69th percentileby value
FDIC
LNLSNET + DEP70.8%
−10.0%y/y
Percentile by value56th percentileby value
FDIC
LNLSNET + ASSET97.42%
+0.0%y/y
Percentile by value91st percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
174%
−22.9%y/y
Percentile by value50th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC57%
−42.3%y/y
Percentile by value67th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,622points
−1.4%y/y
Peer standing7th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD9.85%
+5.3%y/y
Percentile by value36th percentileby value
FDIC
LNRENROW + LNLSGR14.11%
+25.3%y/y
Percentile by value51st percentileby value
FDIC
LNRENROT + LNLSGR4.59%
+3.9%y/y
Percentile by value14th percentileby value
FDIC
LNCI + LNLSGR