City National Bank Of West Virginia Mortgage Rates, Fees & Info
Charleston, WVLEI: 549300KJZ82173UB3I21
Tax ID: 55-0399323
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Overview
City National Bank Of West Virginia is a smaller bank specializing in Refi and Home Purchase loans. City National Bank Of West Virginia has a high proportion of conventional loans. Their top markets include Huntington, Charleston, Hagerstown, Beckley, and Lexington among others. City National Bank Of West Virginia has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. City National Bank Of West Virginia is typically a low fee lendor.Originations
3,238Origination Dollar Volume (All Markets)
$458,570,000Employee count
907Awards
City National Bank of West Virginia - 2021
City National Bank of West Virginia is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
City National Bank Of West Virginia's average 30 year fixed rate mortgage of loans were
3.16%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.01%.
Relative Fees
City National Bank Of West Virginia's average total fees for a 30 year fixed rate
mortgage are $1,395.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 856 | $113,710,000 | $132,839 | $1,092 | 3.37% |
| Outside of Metro Areas | 508 | $61,790,000 | $121,634 | $1,366 | 3.44% |
| CHARLESTON, WV (FHA|USDA|VA) | 480 | $51,390,000 | $107,063 | $1,022 | 3.38% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 276 | $41,020,000 | $148,623 | $1,524 | 3.24% |
| BECKLEY, WV (FHA|USDA|VA) | 303 | $29,025,000 | $95,792 | $834 | 3.56% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 116 | $28,130,000 | $242,500 | $1,539 | 3.40% |
| STAUNTON, VA (FHA|USDA|VA) | 146 | $27,700,000 | $189,726 | $1,460 | 3.24% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 141 | $22,265,000 | $157,908 | $1,627 | 3.27% |
| Clarksburg, WV (FHA|USDA|VA) | 70 | $11,180,000 | $159,714 | $1,542 | 3.22% |
| MORGANTOWN, WV (FHA|USDA|VA) | 51 | $10,905,000 | $213,824 | $1,846 | 3.23% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 8 | $10,770,000 | $1,346,250 | $0 | 3.65% |
| COLUMBUS, OH (FHA|USDA|VA) | 10 | $8,060,000 | $806,000 | $3,063 | 3.61% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 48 | $7,910,000 | $164,792 | $3,023 | 3.01% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 63 | $6,565,000 | $104,206 | $802 | 3.52% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 24 | $5,020,000 | $209,167 | $0 | 4.02% |
| Fairmont, WV (FHA|USDA|VA) | 31 | $4,685,000 | $151,129 | $2,005 | 3.19% |
| Mount Sterling, KY (FHA|USDA|VA) | 22 | $2,930,000 | $133,182 | $1,907 | 2.85% |
| Bluefield, WV-VA (FHA|USDA|VA) | 26 | $2,690,000 | $103,462 | $606 | 3.70% |
| Marietta, OH (FHA|USDA|VA) | 2 | $2,310,000 | $1,155,000 | $0 | 3.73% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 8 | $1,830,000 | $228,750 | $2,069 | 3.76% |
| Portsmouth, OH (FHA|USDA|VA) | 16 | $1,730,000 | $108,125 | $1,072 | 3.12% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 7 | $1,055,000 | $150,714 | $911 | 3.26% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $0 | 3.34% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 3.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,704 | 3.55% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 4.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 4.00% |
| Salem, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 4.25% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,077 | 3.33% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $108 | 3.08% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,889 | 2.67% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,736 | 3.10% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,851 | 3.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $150 | 3.69% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.25% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $150 | 4.62% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.93% |
| Elkins, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,558 | 3.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.25% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 4.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.87% |
City National Bank Of West Virginia's top markets include Huntington, Charleston, Hagerstown, Beckley, and Lexington among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 3,238 | $458,570,000 | $141,621 | $1,229 | 3.38% |
For the 2021 period, City National Bank Of West Virginia's most frequently originated loan type of loans were Conventional, with 3,238 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 1,157 | $172,355,000 | $148,967 | $1,063 | 3.65% |
| Home Purchase | 1,014 | $207,440,000 | $204,576 | $1,833 | 3.42% |
| Home Improvement | 601 | $39,185,000 | $65,200 | $150 | 2.93% |
| Other | 465 | $38,925,000 | $83,710 | $150 | 3.17% |
| Cash Out Refi | 1 | $665,000 | $665,000 | $1,364 | 3.95% |
For the 2021, City National Bank Of West Virginia's most frequently cited loan purpose of loans were Refi, with 1,157 originations. The 2nd most popular reason of loans were Home Purchase, with 1,014 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,110 | $296,990,000 | $140,754 | $1,395 | 3.16% |
| 20 Year | 344 | $48,880,000 | $142,093 | $1,061 | 3.89% |
| 10 Year | 329 | $22,795,000 | $69,286 | $172 | 3.93% |
| 15 Year | 172 | $24,440,000 | $142,093 | $2,279 | 3.06% |
| Other | 160 | $34,540,000 | $215,875 | $353 | 3.96% |
| 5 Year | 51 | $10,765,000 | $211,078 | $150 | 3.77% |
| 30+ year | 37 | $10,235,000 | $276,622 | $4,445 | 3.52% |
| 1 Year | 28 | $5,410,000 | $193,214 | $0 | 4.25% |
| 3 Year | 7 | $4,515,000 | $645,000 | $150 | 3.69% |
For the 2021, City National Bank Of West Virginia's most frequently cited loan length of loans were 30 Year, with 2,110 originations. The 2nd most popular length of loans were 20 Year, with 344 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,418 | $192,130,000 | $135,494 |
| $1k-2k | 90 | $19,330,000 | $214,778 |
| $2k-3k | 28 | $6,200,000 | $221,429 |
| $3k-4k | 11 | $2,445,000 | $222,273 |
| $5k+ | 3 | $865,000 | $288,333 |
$1,395 of loans were City National Bank Of West Virginia's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,418 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,968 | $337,910,000 | $171,702 |
| <2.5% | 526 | $41,420,000 | $78,745 |
| 4-5% | 436 | $42,510,000 | $97,500 |
| 2.5-3% | 301 | $35,665,000 | $118,488 |
| 5-6% | 7 | $1,065,000 | $152,143 |
During 2021, City National Bank Of West Virginia's average interest rate of loans were 3.16%, while their most frequently originated rate bucket of loans were 3-4%, with 1,968 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 1,542 | $79,450,000 | $51,524 | $612 | 3.34% |
| $100k-200k | 1,034 | $148,630,000 | $143,743 | $1,350 | 3.43% |
| $200k-400k | 551 | $147,195,000 | $267,142 | $1,912 | 3.35% |
| $400k-600k | 70 | $33,370,000 | $476,714 | $2,542 | 3.34% |
| $600k-1MM | 26 | $19,270,000 | $741,154 | $2,318 | 3.73% |
| $1MM+ | 15 | $30,655,000 | $2,043,667 | $0 | 3.68% |
2021 saw City National Bank Of West Virginia place emphasis on $100,000 or less loans with 1,542 originations, totaling $79,450,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 766 | $83,810,000 | $109,413 | $1,163 | 3.37% |
| $50k or less | 678 | $53,180,000 | $78,437 | $932 | 3.39% |
| $100k-150k | 591 | $95,635,000 | $161,819 | $1,490 | 3.30% |
| $75k-100k | 542 | $68,620,000 | $126,605 | $1,276 | 3.33% |
| $150k-250k | 319 | $56,985,000 | $178,636 | $1,501 | 3.21% |
| $250k+ | 129 | $32,235,000 | $249,884 | $1,812 | 3.29% |
City National Bank Of West Virginia lent most frequently to those with incomes in the $50k-75k range, with 766 originations. The second most popular income band? $50k or less, with 678 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 834 | $101,980,000 | $122,278 | $1,241 | 3.31% |
| 30-36% | 537 | $71,055,000 | $132,318 | $1,290 | 3.30% |
| <20% | 524 | $55,960,000 | $106,794 | $1,083 | 3.51% |
| 49% | 148 | $14,880,000 | $100,541 | $804 | 3.09% |
| 36% | 105 | $17,305,000 | $164,810 | $1,579 | 3.22% |
| 38% | 86 | $13,220,000 | $153,721 | $1,288 | 3.37% |
| 40% | 84 | $12,170,000 | $144,881 | $1,219 | 3.37% |
| 43% | 78 | $10,480,000 | $134,359 | $1,113 | 3.40% |
| 39% | 77 | $11,975,000 | $155,519 | $1,454 | 3.30% |
| 37% | 77 | $11,325,000 | $147,078 | $1,442 | 3.19% |
| 48% | 77 | $10,625,000 | $137,987 | $1,513 | 3.24% |
| 42% | 72 | $10,540,000 | $146,389 | $1,191 | 3.28% |
| 41% | 71 | $11,795,000 | $166,127 | $1,134 | 3.41% |
| 44% | 68 | $9,790,000 | $143,971 | $1,284 | 3.25% |
| 45% | 63 | $10,015,000 | $158,968 | $1,329 | 3.31% |
| 46% | 57 | $7,345,000 | $128,860 | $1,085 | 3.40% |
| 47% | 53 | $8,565,000 | $161,604 | $1,087 | 3.38% |
| >60% | 14 | $1,120,000 | $80,000 | $150 | 3.67% |
| 50-60% | 13 | $1,495,000 | $115,000 | $554 | 3.49% |
City National Bank Of West Virginia lent most frequently to those with DTI ratios of 20-30%, with 834 originations. The next most common DTI ratio? 30-36%, with 537 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,826 | $362,020,000 | $128,103 | $1,227 | 3.33% |
| Not applicable | 194 | $66,810,000 | $344,381 | $0 | 4.05% |
| Not provided | 150 | $19,430,000 | $129,533 | $1,048 | 3.33% |
| Asian | 21 | $3,945,000 | $187,857 | $1,750 | 3.30% |
| Black | 33 | $3,755,000 | $113,788 | $1,396 | 3.33% |
| American Indian | 5 | $1,285,000 | $257,000 | $2,278 | 3.15% |
| Asian Indian | 7 | $795,000 | $113,571 | $1,056 | 4.02% |
| Filipino | 1 | $295,000 | $295,000 | $2,482 | 2.75% |
| Other Asian | 1 | $235,000 | $235,000 | $1,991 | 3.25% |
Approval Rates
Total approvals of all applications77.72%
City National Bank Of West Virginia has a below average approval rate.
Pick Rate
Approvals leading to origination78.55%
City National Bank Of West Virginia has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,238 | $458,570,000 | $141,621 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,238 | $458,570,000 | $141,621 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 534 | $38,510,000 | $72,116 | $507 | 3.26% |
| 40-60% | 415 | $49,695,000 | $119,747 | $1,016 | 3.50% |
| 60-80% | 710 | $130,520,000 | $183,831 | $1,515 | 3.63% |
| 80-100% | 1,006 | $207,270,000 | $206,034 | $1,515 | 3.40% |
| Over 100% | 17 | $10,535,000 | $619,706 | $0 | 3.77% |
| Under 20% | 544 | $20,720,000 | $38,088 | $162 | 2.99% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| CITY NATIONAL BANK | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| City National Bank of West Virginia | 120 Kanawha Boulevard W. Charleston, WV 25302 | Full Service B&M | $44,360 |
| City National Bank of West Virginia | 1 Main Street Gauley Bridge, WV 25085 | Full Service B&M | $38,801 |
| City National Bank of West Virginia | 10 Hale Street Charleston, WV 25301 | Full Service B&M | $117,628 |
| City National Bank of West Virginia | 100 Elizabeth Dr Stephens City, VA 22655 | Full Service B&M | $19,496 |
| City National Bank of West Virginia | 100 Poplar Fork Road Scott Depot, WV 25560 | Full Service B&M | $77,722 |
| City National Bank of West Virginia | 1001 South Main St Woodstock, VA 22664 | Full Service B&M | $48,491 |
| City National Bank of West Virginia | 1004 Bridge Road Charleston, WV 25314 | Full Service B&M | $19,696 |
| City National Bank of West Virginia | 101 Commonwealth Drive Mount Sterling, KY 40353 | Full Service B&M | $21,850 |
| City National Bank of West Virginia | 101 Community Way Staunton, VA 24401 | Full Service B&M | $32,955 |
| City National Bank of West Virginia | 1711 Second Street Mason, WV 25260 | Full Service B&M | $23,861 |
| City National Bank of West Virginia | 1723 Harper Road Beckley, WV 25801 | Full Service B&M | $30,686 |
| City National Bank of West Virginia | 1751 5th Avenue Huntington, WV 25703 | Full Service B&M | $14,351 |
| City National Bank of West Virginia | 1800 Argillite Road Flatwoods, KY 41139 | Full Service B&M | $39,112 |
| City National Bank of West Virginia | 1830 Valley Avenue Winchester, VA 22601 | Full Service B&M | $40,519 |
| City National Bank of West Virginia | 1881 Robert C. Byrd Drive Beckley, WV 25801 | Full Service Retail | $15,406 |
| City National Bank of West Virginia | 1900 Third Avenue Huntington, WV 25703 | Full Service B&M | $149,615 |
| City National Bank of West Virginia | 191 Greasy Ridge Road Princeton, WV 24740 | Full Service B&M | $41,676 |
| City National Bank of West Virginia | 1995 Sutton Lane Sutton, WV 26601 | Full Service B&M | $36,343 |
| City National Bank of West Virginia | 200 Academy Drive Ripley, WV 25271 | Full Service Retail | $8,863 |
| City National Bank of West Virginia | 201 State Street Proctorville, OH 45669 | Full Service B&M | $36,641 |
| City National Bank of West Virginia | 206 Central Avenue Wayne, WV 25570 | Full Service B&M | $59,286 |
| City National Bank of West Virginia | 318 East Main Street Lexington, KY 40507 | Full Service B&M | $61,647 |
| City National Bank of West Virginia | 320 4th Avenue Montgomery, WV 25136 | Full Service B&M | $49,607 |
| City National Bank of West Virginia | 324 Elk Street Gassaway, WV 26624 | Full Service B&M | $17,729 |
| City National Bank of West Virginia | 33230 Old Valley Pike Strasburg, VA 22657 | Full Service B&M | $43,992 |
| City National Bank of West Virginia | 351 River Hill Road Ashland, KY 41101 | Full Service B&M | $6,700 |
| City National Bank of West Virginia | 3601 Maccorkle Ave., Se Charleston, WV 25304 | Full Service B&M | $227,086 |
| City National Bank of West Virginia | 3750 Palomar Centre Drive Lexington, KY 40513 | Full Service B&M | $48,556 |
| City National Bank of West Virginia | 38 North Central Avenue Staunton, VA 24401 | Full Service B&M | $95,382 |
| City National Bank of West Virginia | 386 West Main Street Carlisle, KY 40311 | Full Service B&M | $49,667 |
| City National Bank of West Virginia | 39 Raymond Peak Way Hurricane, WV 25526 | Full Service B&M | $29,410 |
| City National Bank of West Virginia | 4110 Maccorkle Avenue, Sw South Charleston, WV 25309 | Full Service B&M | $36,006 |
| City National Bank of West Virginia | 413 Fifth Street New Haven, WV 25265 | Full Service B&M | $16,083 |
| City National Bank of West Virginia | 440 North Mayo Trail Paintsville, KY 41240 | Full Service B&M | $36,716 |
| City National Bank of West Virginia | 506 Park Avenue Ironton, OH 45638 | Full Service B&M | $64,121 |
| City National Bank of West Virginia | 515 Stokes Drive Hinton, WV 25951 | Full Service B&M | $70,888 |
| City National Bank of West Virginia | 5263 U.S. Route 60 East Huntington, WV 25705 | Full Service B&M | $65,258 |
| City National Bank of West Virginia | 5517 Robert C Byrd Drive Mount Hope, WV 25880 | Full Service B&M | $33,898 |
| City National Bank of West Virginia | 560 4th St. St. Albans, WV 25177 | Full Service B&M | $103,587 |
| City National Bank of West Virginia | 575 N.Carol Malone Boulevard Grayson, KY 41143 | Full Service B&M | $35,044 |
| City National Bank of West Virginia | 600 Commerce Avenue Front Royal, VA 22630 | Full Service B&M | $47,394 |
| City National Bank of West Virginia | 601 Alta Drive Alderson, WV 24910 | Full Service B&M | $46,993 |
| City National Bank of West Virginia | 603 South Mayo Trail Paintsville, KY 41240 | Full Service B&M | $98,510 |
| City National Bank of West Virginia | 617 23rd Street Suite 104 Ashland, KY 41101 | Full Service B&M | $2,989 |
| City National Bank of West Virginia | 6888 Mcclellan Street West Hamlin, WV 25571 | Full Service B&M | $47,809 |
| City National Bank of West Virginia | U.S. 27 South Cynthiana, KY 41031 | Full Service B&M | $61,818 |
| City National Bank of West Virginia | Us Route 219, #10 Red Oak Shopping Center Ronceverte, WV 24970 | Full Service B&M | $12,250 |
| City National Bank of West Virginia | 101 Second Street Sutton, WV 26601 | Full Service B&M | $46,125 |
| City National Bank of West Virginia | 101 So. Kanawha Street Beckley, WV 25801 | Full Service B&M | $46,520 |
| City National Bank of West Virginia | 1012 Rockwood Avenue Chesapeake, OH 45619 | Full Service B&M | $41,625 |
| City National Bank of West Virginia | 102 Melrose Drive Glasgow, WV 25086 | Full Service B&M | $26,515 |
| City National Bank of West Virginia | 102 Walker Street Lexington, VA 24450 | Full Service B&M | $12,068 |
| City National Bank of West Virginia | 1034 South George Street Charles Town, WV 25414 | Full Service B&M | $54,208 |
| City National Bank of West Virginia | 1041 Church Street Milton, WV 25541 | Full Service B&M | $71,427 |
| City National Bank of West Virginia | 108 Church Street N Ripley, WV 25271 | Full Service B&M | $107,818 |
| City National Bank of West Virginia | 109 South Jefferson Street Lewisburg, WV 24901 | Full Service B&M | $118,301 |
| City National Bank of West Virginia | 115 West Main Street Clarksburg, WV 26301 | Full Service B&M | $22,100 |
| City National Bank of West Virginia | 1182 Pineview Drive Morgantown, WV 26505 | Full Service B&M | $3,149 |
| City National Bank of West Virginia | 119 N Main Cross St Louisa, KY 41230 | Full Service B&M | $47,654 |
| City National Bank of West Virginia | 21 Dick Huff Lane Verona, VA 24482 | Full Service B&M | $43,430 |
| City National Bank of West Virginia | 212 Airport Road Beaver, WV 25813 | Full Service B&M | $61,886 |
| City National Bank of West Virginia | 2134 Raphine Road Raphine, VA 24472 | Full Service B&M | $26,276 |
| City National Bank of West Virginia | 2212 Jackson Avenue Point Pleasant, WV 25550 | Full Service B&M | $69,212 |
| City National Bank of West Virginia | 255 Administrative Drive Martinsburg, WV 25404 | Full Service B&M | $63,310 |
| City National Bank of West Virginia | 2658 Stuarts Draft Highway Stuarts Draft, VA 24477 | Full Service B&M | $31,852 |
| City National Bank of West Virginia | 2700 Mountaineer Blvd. South Charleston, WV 25309 | Full Service Retail | $13,519 |
| City National Bank of West Virginia | 2934 W. Main St. Waynesboro, VA 22980 | Full Service B&M | $47,432 |
| City National Bank of West Virginia | 300 Eighth Street Marlinton, WV 24954 | Full Service B&M | $56,188 |
| City National Bank of West Virginia | 304 Tenth Street Dunbar, WV 25064 | Full Service B&M | $37,114 |
| City National Bank of West Virginia | 308 Goff Mountain Road Cross Lanes, WV 25313 | Full Service B&M | $124,844 |
| City National Bank of West Virginia | 316 Walden Drive Lexington, KY 40517 | Full Service B&M | $33,891 |
| City National Bank of West Virginia | 709 Nicholas Street Rupert, WV 25984 | Full Service B&M | $17,674 |
| City National Bank of West Virginia | 75 West Virginia Way Ranson, WV 25438 | Full Service B&M | $32,819 |
| City National Bank of West Virginia | 8028 Lynn Avenue Hamlin, WV 25523 | Full Service B&M | $24,508 |
| City National Bank of West Virginia | 852 U.S. 23 South Shore, KY 41175 | Full Service B&M | $20,827 |
| City National Bank of West Virginia | 88 Cordial Ct Falling Waters, WV 25419 | Full Service B&M | $39,826 |
| City National Bank of West Virginia | 9005 Maccorkle Avenue Se Marmet, WV 25315 | Full Service B&M | $44,404 |
| City National Bank of West Virginia | 902 North Eisenhower Drive Beckley, WV 25801 | Full Service B&M | $57,370 |
| City National Bank of West Virginia | 923 North High Street Worthington, OH 43085 | Full Service B&M | $4,984 |
| City National Bank of West Virginia | 9431 Us Route 60 Ashland, KY 41102 | Full Service B&M | $98,261 |
| City National Bank of West Virginia | 946 Roosevelt Boulevard Eleanor, WV 25070 | Full Service B&M | $57,000 |
| City National Bank of West Virginia | One Park Avenue Beckley, WV 25801 | Full Service B&M | $211,353 |
| City National Bank of West Virginia | One Wall Street Winfield, WV 25213 | Full Service B&M | $58,114 |
| City National Bank of West Virginia | 1216 Johnson Avenue Bridgeport, WV 26330 | Full Service B&M | $35,999 |
| City National Bank of West Virginia | 1218 Main Street Rainelle, WV 25962 | Full Service B&M | $57,515 |
| City National Bank of West Virginia | 128 West 21st Street Buena Vista, VA 24416 | Full Service B&M | $26,194 |
| City National Bank of West Virginia | 130 Piercy Drive Lewisburg, WV 24901 | Full Service B&M | $44,048 |
| City National Bank of West Virginia | 1414 Ashland Road Greenup, KY 41144 | Full Service B&M | $52,399 |
| City National Bank of West Virginia | 142 Sader Drive Inwood, WV 25428 | Full Service B&M | $38,488 |
| City National Bank of West Virginia | 149 N. Washington Street Berkeley Springs, WV 25411 | Full Service B&M | $29,136 |
| City National Bank of West Virginia | 150 South Main Street Nicholasville, KY 40356 | Full Service B&M | $67,879 |
| City National Bank of West Virginia | 1500 Carter Ave Ashland, KY 41101 | Full Service B&M | $142,911 |
| City National Bank of West Virginia | 1500 Diederich Boulevard Russell, KY 41169 | Full Service B&M | $22,629 |
| City National Bank of West Virginia | 1700 West King Street Martinsburg, WV 25401 | Full Service B&M | $94,196 |
For 2021, City National Bank Of West Virginia had 94 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $163,981 |
| Net interest income | $154,179 |
| Total noninterest income | $69,371 |
| Gross Fiduciary activities income | $8,412 |
| Service charges on deposit accounts | $24,420 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $36,539 |
| Pre-tax net operating income | $110,529 |
| Securities gains (or losses, -) | $-43 |
| Income before extraordinary items | $87,289 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $87,289 |
| Minority interest net income | $0 |
| Net income | $87,289 |
| Sale, conversion, retirement of capital stock, net | $2,760 |
| Net operating income | $87,322 |
City National Bank Of West Virginia's gross interest income from loans was $163,981,000.
City National Bank Of West Virginia's net interest income from loans was $154,179,000.
City National Bank Of West Virginia's fee based income from loans was $24,420,000.
City National Bank Of West Virginia's net income from loans was $87,289,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $9,802 |
| Provision for credit losses | $-3,163 |
| Total noninterest expense | $116,184 |
| Salaries and employee benefits | $62,550 |
| Premises and equipment expense | $19,324 |
| Additional noninterest expense | $34,310 |
| Applicable income taxes | $23,197 |
| Net charge-offs | $3,220 |
| Cash dividends | $81,000 |
City National Bank Of West Virginia's interest expense for loans was $9,802,000.
City National Bank Of West Virginia's payroll and benefits expense were $62,550,000.
City National Bank Of West Virginia's property, plant and equipment expenses $19,324,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $4,951,255 |
| Deposits held in domestic offices | $4,951,255 |
| Deposits by Individuals, partnerships, and corporations | $4,676,775 |
| Deposits by U.S. Government | $6 |
| Deposits by States and political subdivisions in the U.S. | $273,302 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,171 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $957,856 |
| Demand deposits | $904,843 |
| Nontransaction accounts | $3,993,398 |
| Money market deposit accounts (MMDAs) | $684,190 |
| Other savings deposits (excluding MMDAs) | $2,240,294 |
| Total time deposits | $1,068,914 |
| Total time and savings deposits | $4,046,411 |
| Noninterest-bearing deposits | $1,399,045 |
| Interest-bearing deposits | $3,552,210 |
| Retail deposits | $4,818,105 |
| IRAs and Keogh plan accounts | $215,871 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,955,821 |
| Cash & Balances due from depository institutions | $633,288 |
| Interest-bearing balances | $531,615 |
| Total securities | $1,372,824 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,524,175 |
| Loan and leases loss allowance | $18,166 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $72,840 |
| Other real estate owned | $524 |
| Goodwill and other intangibles | $117,121 |
| All other assets | $235,049 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,955,821 |
| Total Liabilities | $5,338,850 |
| Total deposits | $4,951,255 |
| Interest-bearing deposits | $3,552,210 |
| Deposits held in domestic offices | $4,951,255 |
| % insured (estimated) | $94 |
| Federal funds purchased and repurchase agreements | $312,458 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $75,137 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,524,175 |
| Loan and leases loss allowance | $18,166 |
| Total loans and leases (domestic) | $3,542,341 |
| All real estate loans | $3,131,259 |
| Real estate loans in domestic offices | $3,131,259 |
| Construction and development loans | $29,034 |
| Residential 1-4 family construction | $17,251 |
| Other construction, all land development and other land | $11,783 |
| Loans secured by nonfarm nonresidential properties | $1,115,601 |
| Nonfarm nonresidential secured by owner-occupied properties | $194,723 |
| Commercial real estate & other non-farm, non-residential | $920,878 |
| Multifamily residential real estate | $215,855 |
| 1-4 family residential loans | $1,760,794 |
| Farmland loans | $9,975 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,598 |
| Commercial and industrial loans | $341,688 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $41,545 |
| Credit card loans | $0 |
| Related Plans | $593 |
| Consumer Auto Loans | $30,774 |
| Other loans to individuals | $10,178 |
| All other loans & leases | $26,251 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $9,399 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $20,372 |
| Non 1-4 family restructured loans & leases | $2,216 |
| Total loans and leases (foreign) | $0 |
City National Bank of West Virginia had $3,524,175,000 of loans outstanding in 2021. $3,131,259,000 of loans were in real estate loans. $29,034,000 of loans were in development loans. $215,855,000 of loans were in multifamily mortgage loans. $1,760,794,000 of loans were in 1-4 family mortgage loans. $1,598,000 of loans were in farm loans. $0 of loans were in credit card loans. $30,774,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 1,200 | $192,228 | $160,190 |
| Nonfarm, nonresidential loans - <$100k | 418 | $7,666 | $18,340 |
| Nonfarm, nonresidential loans - $100-250k | 397 | $48,061 | $121,060 |
| Nonfarm, nonresidential loans - $250k-1MM | 385 | $136,501 | $354,548 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,461 | $98,119 | $67,159 |
| Commercial & Industrial, US addressed loans - <$100k | 1,047 | $19,279 | $18,414 |
| Commercial & Industrial, US addressed loans - $100-250k | 228 | $22,220 | $97,456 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 186 | $56,620 | $304,409 |
| Farmland loans - <$1MM | 95 | $7,704 | $81,095 |
| Farmland loans - <$100k | 52 | $1,787 | $34,365 |
| Farmland loans - $100-250k | 37 | $4,145 | $112,027 |
| Farmland loans - $250k-1MM | 6 | $1,772 | $295,333 |
| Agriculture operations loans - <$1MM | 63 | $1,184 | $18,794 |
| Agriculture operations loans - <$100k | 60 | $850 | $14,167 |
| Agriculture operations loans - $100-250k | 3 | $334 | $111,333 |
