# CNB BANK INC
BERKELEY SPRINGS, WV · FDIC certificate 14507 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $805.7M | |
| Deposits | $652.5M | |
| Loans and leases | $584.8M | |
| Total equity | $68.7M | |
| Loans / deposits | 88.64% (p68 of band) | 82.04% |
| Liquid assets / assets | 24.15% (p48 of band) | |
| Uninsured deposits / deposits | 23.06% (p40 of band) | 25.97% |
| Brokered deposits | 1.27% | |
| Wholesale funding | 10.52% (p79 of band) | |
| FHLB advances / assets | 9.25% | |
| Tier 1 leverage | 9.50% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -13.43% (p35 of band) | -8.10% |
| AOCI / equity | -0.87% (p27 of band) | |
| ROA (annualized) | 1.05% (p35 of band) | 1.28% |
| Net interest margin | 3.51% (p28 of band) | 3.91% |
| Efficiency ratio | 64.16% (p59 of band) | |
| Noncurrent loans | 0.09% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 1277.23% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 78.15% (p77 of band) | |
| Auto loans | $15.2M (2.59% of loans; DQ 1.31%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 110 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 3 | noncurrent p90 |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | charge-offs p90 | capital falling |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 2 | construction >100% equity |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 2 | capital falling | securities losses >30% of equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | construction >100% equity, capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-25 [CNB celebrates 90th year as community bank - Morgan Messenger](https://news.google.com/rss/articles/CBMijwFBVV95cUxOMkkxdDBqMUJXYmxBME8zMnhDeEEwRFlNWUpNbS1RQkZJX0JpbllKU1VxTC14VE41aW5jREFObWlHNFNmSTgyXy1wUGpnbVN1TnJHdEliWjR1bndoZUNySldwZldNYXFNNTRHNTBSTkJneGVNeHBINmNGckhsOV95amNjbVh1Q1B1WEkwTXhLTQ?oc=5) · Morgan Messenger
- 2025-04-11 [Melissa Lorraine Schaefer Obituary May 24, 2014 - Keeney and Basford Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1pZzBvQlpsaUFKWENfdmpORTQtbU9NWm84Y0xLUWg3NnJzUDQxeU5XZHZ2M3VWcnptMGpKN0FhLXBmc0Jib2Z4bEdtRF9TWVExY2U3dXBSTWljaEdL?oc=5) · Keeney and Basford Funeral Homes
- 2026-04-09 [WV state treasurer announces annual term deposit auction totals - wboy.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNUkNzQ3ZLd0N2VjMwdk1iOXlMc09BQjgyUWU5cl9NendDSHBpSlFRVUVkUW00eFlNWExTaFJCZWg1bTRfOTZLbVd5Q2YtU2dBaGlYOHlJcVZQMFpuandwUEE0c0xuV3BxYUxVMmVZRFVpZjZSSzY0YWZZeWpDdGF3M1N5SmtYdjN5ZXQ4b2d5X3U3WDBlbkZ1SEgzdkpITXFaWVAxekVKMNIBrAFBVV95cUxOTlNTblFtNnZtT3RpWndGUkRpem5SRHBtVUpkMHQ0QzQ3cVpEQVp1cm9aMGxBdnlQT21QLVVkRkNWOEZwQkpHbjVrMUFBVE4wMHItSnUwVFJmQ2h2eVVoU0JjOE1vXzJRLXVFZDdJMThPQWlPa2p0a0lkU2RvdUZxTS1BU2xtNXRCWDJoZlNZNTJOR0d1N1pYa3pnUzNyWGtlR0phNEdIQS1LcmRx?oc=5) · wboy.com
- 2026-08-27 [CNB Financial Services Inc (OTC: CBFC) Share Price, CBFC Stock News, CBFC Share Price & Updates - kalkine.ca](https://news.google.com/rss/articles/CBMiTEFVX3lxTE0yYllxVnFWWW1TdUp2V2FDNU1MekUzYVMzOTk2OVNwY2hjdlRsbktBMEx6VkV0Z3A3cmJ3cC1BWW1yYWJXa0ViQlhJMzI?oc=5) · kalkine.ca
- 2025-07-01 [Chamber accepting nominations for Morganite awards - Morgan Messenger](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVjdmTkNNQUtLLXVxYmh4WVU0OGUtem1oTmdqWTEzQklJSTZkY2luSndyQTFVQWxsUzMtajVKSDBZSzR3c0xEbUhlTF9pT2NVdWNtMjVZeFFjQUZWX19hLWZPeUxhNnlKYTUyN0JUXzVHUnJOa2gwSUp3QkZGZTlmWE1YTlI0WDRBelY0X25vV1pqYmdCRXdVbFhB?oc=5) · Morgan Messenger
- 2025-09-23 [Beth Curtin named 2025 Morganite Honoree by Chamber of Commerce - Morgan Messenger](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQ1NYaHlrV01JQnI5Wlc1NGIxRWxaZl9NVlVvQlhEQUtlZ0syMkc4aDdmY2g4OVBNQ1J3X0JIS3c0WVVaRThTR1UxUVpob2E5OVJWUlR5THRuWmJQWDV1bjhoazUzd0pGby1Qck93V2JPc1ZHWFpDZll6SUNJRmxjakYzNGNHMGJGWVNrRzZPM1E5UUthSENNODBKYWM4dDlBWm9KemptdGNBaDg?oc=5) · Morgan Messenger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14507 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "14507", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide