🏦Bank Scorer

CNB BANK, INC.

BERKELEY SPRINGS, WV · Supervised by FDIC

Est. 1917FDIC #14,507RSSD: FDIC-14507
Part ofCNB FINANCIAL SERVICES INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

101 S Washington St, BERKELEY SPRINGS, WV

County

Morgan County

Established

January 1, 1917

Total Assets

$805M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$805M

Total Deposits

$655M

Net Loans

$570M

Net Income

$2M

ROA

0.92%

ROE

10.96%

Risk-Based Capital

15.84%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate6.06%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$602M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202426485.61%6.06%
202330488.82%7.24%
202244891.07%3.79%
202159190.02%3.55%
202065292.02%3.99%
201938081.32%8.68%
201838680.31%10.88%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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