City National Bank Of West Virginia Mortgage Rates, Fees & Info

Charleston, WV

LEI: 549300KJZ82173UB3I21

Tax ID: 55-0399323

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    City National Bank Of West Virginia is a smaller bank specializing in Home Purchase and Refi loans. City National Bank Of West Virginia has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Huntington, Charleston, Hagerstown, Beckley, and Lexington among others. We have data for 38 markets. (Some data included below & more in-depth data is available with an active subscription.)

    City National Bank Of West Virginia has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. City National Bank Of West Virginia is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.49% 4/21/24
    30 Year Conventional Refi 6.93% 4/21/24
    15 Year Conventional Purchase 5.81% 4/21/24
    15 Year Conventional Refi 6.00% 4/21/24
    15 Year Cash-out Refi 6.00% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    City National Bank Of West Virginia Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from City National Bank Of West Virginia. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    3,147

    Origination Dollar Volume (All Markets)

    $416,935,000

    Employee count

    894 Show all (28) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 886 $107,860,000 $121,738 $931 4.27%
    CHARLESTON, WV (FHA|USDA|VA) 519 $51,545,000 $99,316 $1,012 4.26%
    Outside of Metro Areas 426 $43,550,000 $102,230 $1,111 4.28%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 262 $37,210,000 $142,023 $1,313 4.17%
    BECKLEY, WV (FHA|USDA|VA) 278 $34,460,000 $123,957 $776 4.37%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 103 $33,635,000 $326,553 $1,467 4.04%
    STAUNTON, VA (FHA|USDA|VA) 150 $22,660,000 $151,067 $932 4.40%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 135 $19,495,000 $144,407 $1,384 4.22%
    Clarksburg, WV (FHA|USDA|VA) 94 $13,780,000 $146,596 $1,436 4.14%
    MORGANTOWN, WV (FHA|USDA|VA) 52 $11,490,000 $220,962 $1,487 4.17%
    WINCHESTER, VA-WV (FHA|USDA|VA) 58 $9,070,000 $156,379 $2,046 4.10%
    Point Pleasant, WV-OH (FHA|USDA|VA) 60 $5,150,000 $85,833 $990 4.42%
    Bluefield, WV-VA (FHA|USDA|VA) 34 $4,330,000 $127,353 $1,037 4.29%
    Boone, NC (FHA|USDA|VA) 1 $3,105,000 $3,105,000 $0 4.39%
    Fairmont, WV (FHA|USDA|VA) 23 $3,095,000 $134,565 $1,561 4.22%
    Richmond-Berea, KY (FHA|USDA|VA) 7 $3,015,000 $430,714 $1,850 4.50%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 8 $2,870,000 $358,750 $1,247 4.20%
    HARRISONBURG, VA (FHA|USDA|VA) 12 $2,700,000 $225,000 $1,756 4.40%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $5,081 4.34%
    Elkins, WV (FHA|USDA|VA) 5 $765,000 $153,000 $1,319 4.35%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $755,000 $755,000 $0 4.59%
    ROANOKE, VA (FHA|USDA|VA) 2 $730,000 $365,000 $3,408 5.16%
    RICHMOND, VA (FHA|USDA|VA) 3 $655,000 $218,333 $672 4.13%
    Portsmouth, OH (FHA|USDA|VA) 5 $575,000 $115,000 $533 4.62%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 5 $425,000 $85,000 $1,239 4.23%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $405,000 $135,000 $150 4.01%
    Key West, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 5.25%
    Mount Gay-Shamrock, WV (FHA|USDA|VA) 2 $360,000 $180,000 $1,590 4.22%
    Sevierville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $0 4.75%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $260,000 $130,000 $1,464 4.09%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.25%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $185,000 $185,000 $2,526 4.59%
    Mount Sterling, KY (FHA|USDA|VA) 1 $165,000 $165,000 $1,182 4.59%
    Athens, OH (FHA|USDA|VA) 1 $155,000 $155,000 $1,419 4.09%
    JACKSON, MS (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.59%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.57%
    Danville, KY (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.99%
    City National Bank Of West Virginia's top markets include Huntington, Charleston, Hagerstown, Beckley, and Lexington among others.

    Their top states include:
  • West Virginia (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against City National Bank of West Virginia based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    DUPONT COMMUNITY
    Similarity Rank: 77
    First Federal Savings and Loan Association of Greene Co
    Similarity Rank: 96
    Town Square Bank
    Similarity Rank: 120
    MCNB Bank and Trust Co.
    Similarity Rank: 176
    The Poca Valley Bank, Inc.
    Similarity Rank: 203
    DESCO
    Similarity Rank: 216
    First Community Bank
    Similarity Rank: 259
    Clear Mountain Bank
    Similarity Rank: 288
    F & M BANK CORP.
    Similarity Rank: 312
    Peoples Exchange Bank
    Similarity Rank: 315

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,196 $352,980,000 $160,738 $1,072 4.57%
    HELOC 945 $63,225,000 $66,905 n/a 3.53%
    USDA 6 $730,000 $121,667 $3,512 4.79%

    For 2018, City National Bank Of West Virginia's most frequently originated type of loan was Conventional, with 2,196 originations. Their 2nd most popular type was HELOC, with 945 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,109 $205,565,000 $185,361 $1,614 4.37%
    Refi 1,102 $159,900,000 $145,100 $661 4.63%
    Home Improvement 471 $23,065,000 $48,970 $173 3.64%
    Other 454 $26,870,000 $59,185 $159 3.77%
    NA 11 $1,535,000 $139,545 $0 3.88%

    For 2018, City National Bank Of West Virginia's most frequently cited loan purpose was Home Purchase, with 1,109 originations. The 2nd most popular reason was Refi, with 1,102 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,236 $290,390,000 $129,870 $1,227 3.98%
    10 Year 288 $36,590,000 $127,049 $209 5.11%
    20 Year 228 $23,930,000 $104,956 $789 4.92%
    Other 120 $22,550,000 $187,917 $304 4.89%
    15 Year 117 $17,625,000 $150,641 $1,439 4.80%
    5 Year 75 $5,465,000 $72,867 $150 5.04%
    30+ year 56 $17,540,000 $313,214 $3,816 4.38%
    1 Year 21 $2,525,000 $120,238 $0 5.22%
    3 Year 6 $320,000 $53,333 $150 4.98%

    For 2018, City National Bank Of West Virginia's most frequently cited loan duration was 30 Year, with 2,236 originations. The 2nd most popular length was 10 Year, with 288 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,749 $242,805,000 $138,825
    $1k-2k 85 $22,425,000 $263,824
    $2k-3k 8 $1,670,000 $208,750
    $5k+ 1 $225,000 $225,000

    City National Bank Of West Virginia's average total fees were $1,227, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,749 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,577 $263,845,000 $167,308
    2.5-3% 720 $42,810,000 $59,458
    5-6% 530 $53,660,000 $101,245
    3-4% 290 $54,560,000 $188,138
    6-7% 29 $1,985,000 $68,448

    During 2018, City National Bank Of West Virginia's average interest rate for loans was 3.98%, while their most frequently originated rate bucket for loans was 4-5%, with 1,577 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,617 $79,045,000 $48,884 $571 4.21%
    $100k-200k 959 $136,755,000 $142,602 $1,184 4.35%
    $200k-400k 494 $130,680,000 $264,534 $1,628 4.24%
    $400k-600k 53 $24,665,000 $465,377 $2,181 4.43%
    $600k-1MM 14 $9,720,000 $694,286 $2,559 4.39%
    $1MM+ 10 $36,070,000 $3,607,000 $5,081 4.62%

    2018 saw City National Bank Of West Virginia place emphasis on $100,000 or less loans with 1,617 originations, totaling $79,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 794 $75,800,000 $95,466 $955 4.28%
    $50k or less 677 $45,905,000 $67,806 $806 4.28%
    $100k-150k 607 $89,545,000 $147,521 $1,209 4.17%
    $75k-100k 527 $65,305,000 $123,918 $1,197 4.18%
    $150k-250k 307 $59,445,000 $193,632 $1,462 4.16%
    $250k+ 104 $29,840,000 $286,923 $1,562 4.11%

    City National Bank Of West Virginia lent most frequently to those with incomes in the $50k-75k range, with 794 originations. The second most popular income band? $50k or less, with 677 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 829 $93,635,000 $112,949 $1,096 4.23%
    30-36% 595 $78,525,000 $131,975 $1,104 4.24%
    <20% 429 $44,615,000 $103,998 $914 4.19%
    42% 107 $14,715,000 $137,523 $1,062 4.21%
    37% 106 $14,050,000 $132,547 $1,060 4.27%
    36% 105 $13,265,000 $126,333 $1,207 4.29%
    49% 102 $10,070,000 $98,725 $633 3.89%
    41% 101 $14,335,000 $141,931 $1,056 4.35%
    39% 91 $12,935,000 $142,143 $962 4.37%
    38% 89 $12,965,000 $145,674 $1,209 4.26%
    40% 84 $11,670,000 $138,929 $1,194 4.22%
    43% 62 $7,250,000 $116,935 $859 4.11%
    45% 55 $6,245,000 $113,545 $1,047 3.94%
    44% 50 $6,320,000 $126,400 $1,186 4.30%
    46% 37 $3,455,000 $93,378 $960 4.13%
    47% 31 $3,065,000 $98,871 $1,010 4.13%
    48% 28 $3,810,000 $136,071 $1,422 4.18%
    50-60% 24 $2,110,000 $87,917 $438 4.02%
    >60% 23 $2,635,000 $114,565 $584 4.92%

    City National Bank Of West Virginia lent most frequently to those with DTI ratios of 20-30%, with 829 originations. The next most common DTI ratio? 30-36%, with 595 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,809 $345,235,000 $122,903 $1,103 4.23%
    Not applicable 107 $47,395,000 $442,944 $557 5.34%
    Not provided 177 $17,495,000 $98,842 $681 4.03%
    Black 29 $3,385,000 $116,724 $960 4.46%
    Asian 20 $2,920,000 $146,000 $739 3.98%
    Other Asian 2 $270,000 $135,000 $0 4.17%
    1 $175,000 $175,000 $150 4.24%
    Native Hawaiian or Islander 2 $60,000 $30,000 $150 5.00%

    Approval Rates

    Total approvals of all applications
    75.74%

    City National Bank Of West Virginia has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    79.35%

    City National Bank Of West Virginia has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1075.0 1 $145,000 $145,000
    250.0 6 $390,000 $65,000
    NA 3,140 $416,400,000 $132,611

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $55,000 $55,000
    Multifamily:Site-Built 31 $39,325,000 $1,268,548
    Single Family (1-4 Units):Manufactured 5 $325,000 $65,000
    Single Family (1-4 Units):Site-Built 3,110 $377,230,000 $121,296

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 481 $31,165,000 $64,792 $390 4.06%
    40-60% 371 $40,525,000 $109,232 $722 4.40%
    60-80% 556 $96,840,000 $174,173 $1,118 4.56%
    80-100% 1,115 $215,545,000 $193,314 $1,406 4.34%
    Over 100% 9 $2,625,000 $291,667 $1,044 4.51%
    Under 20% 561 $23,025,000 $41,043 $160 3.80%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITY NATIONAL BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    CITY NATIONAL BANK Other type of mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    City National Bank of West Virginia 1 Main Street Gauley Bridge, WV 25085 Full Service B&M $27,985
    City National Bank of West Virginia 10 Hale Street Charleston, WV 25301 Full Service B&M $78,154
    City National Bank of West Virginia 100 Elizabeth Dr Stephens City, VA 22655 Full Service B&M $12,822
    City National Bank of West Virginia 100 Poplar Fork Road Scott Depot, WV 25560 Full Service B&M $52,595
    City National Bank of West Virginia 1001 South Main Street Woodstock, VA 22664 Full Service B&M $42,844
    City National Bank of West Virginia 1004 Bridge Road Charleston, WV 25314 Full Service B&M $13,041
    City National Bank of West Virginia 101 Community Way Staunton, VA 24401 Full Service B&M $24,898
    City National Bank of West Virginia 101 Second Street Sutton, WV 26601 Full Service B&M $42,459
    City National Bank of West Virginia 101 So. Kanawha Street Beckley, WV 25801 Full Service B&M $30,830
    City National Bank of West Virginia 1012 Rockwood Avenue Chesapeake, OH 45619 Full Service B&M $31,219
    City National Bank of West Virginia 102 Melrose Drive Glasgow, WV 25086 Full Service B&M $20,897
    City National Bank of West Virginia 102 Walker Street Lexington, VA 24450 Full Service B&M $9,942
    City National Bank of West Virginia 1034 South George Street Charles Town, WV 25414 Full Service B&M $37,692
    City National Bank of West Virginia 1041 Church Street Milton, WV 25541 Full Service B&M $50,820
    City National Bank of West Virginia 10700 Us 60 Hwy Ashland, KY 41102 Full Service B&M $25,191
    City National Bank of West Virginia 108 Church Street N Ripley, WV 25271 Full Service B&M $87,109
    City National Bank of West Virginia 109 South Jefferson Street Lewisburg, WV 24901 Full Service B&M $89,101
    City National Bank of West Virginia 115 West Main Street Clarksburg, WV 26301 Full Service B&M $16,501
    City National Bank of West Virginia 120 Kanawha Boulevard W. Charleston, WV 25302 Full Service B&M $33,997
    City National Bank of West Virginia 1216 Johnson Avenue Bridgeport, WV 26330 Full Service B&M $29,188
    City National Bank of West Virginia 1218 Main Street Rainelle, WV 25962 Full Service B&M $47,969
    City National Bank of West Virginia 128 West 21st Street Buena Vista, VA 24416 Full Service B&M $16,612
    City National Bank of West Virginia 130 Piercy Drive Lewisburg, WV 24901 Full Service B&M $28,749
    City National Bank of West Virginia 1414 Ashland Road Greenup, KY 41144 Full Service B&M $20,176
    City National Bank of West Virginia 142 Sader Drive Inwood, WV 25428 Full Service B&M $27,538
    City National Bank of West Virginia 149 N. Washington Street Berkeley Springs, WV 25411 Full Service B&M $27,000
    City National Bank of West Virginia 1500 Diederich Boulevard Russell, KY 41169 Full Service B&M $12,261
    City National Bank of West Virginia 1700 West King Street Martinsburg, WV 25401 Full Service B&M $64,737
    City National Bank of West Virginia 1711 Second Street Mason, WV 25260 Full Service B&M $20,041
    City National Bank of West Virginia 1723 Harper Road Beckley, WV 25801 Full Service B&M $25,169
    City National Bank of West Virginia 1751 5th Avenue Huntington, WV 25703 Full Service B&M $11,611
    City National Bank of West Virginia 1830 Valley Avenue Winchester, VA 22601 Full Service B&M $46,084
    City National Bank of West Virginia 1881 Robert C. Byrd Drive Beckley, WV 25801 Full Service Retail $10,018
    City National Bank of West Virginia 1900 Third Avenue Huntington, WV 25703 Full Service B&M $112,830
    City National Bank of West Virginia 191 Greasy Ridge Road Princeton, WV 24740 Full Service B&M $33,821
    City National Bank of West Virginia 1995 Sutton Lane Sutton, WV 26601 Full Service B&M $26,370
    City National Bank of West Virginia 200 Academy Drive Ripley, WV 25271 Full Service Retail $5,563
    City National Bank of West Virginia 201 State Street Proctorville, OH 45669 Full Service B&M $24,973
    City National Bank of West Virginia 206 Central Avenue Wayne, WV 25570 Full Service B&M $30,397
    City National Bank of West Virginia 21 Dick Huff Lane Verona, VA 24482 Full Service B&M $33,838
    City National Bank of West Virginia 212 Airport Road Beaver, WV 25813 Full Service B&M $45,081
    City National Bank of West Virginia 2134 Raphine Road Raphine, VA 24472 Full Service B&M $16,536
    City National Bank of West Virginia 2212 Jackson Avenue Point Pleasant, WV 25550 Full Service B&M $62,958
    City National Bank of West Virginia 255 Administrative Drive Martinsburg, WV 25404 Full Service B&M $44,000
    City National Bank of West Virginia 2658 Stuarts Draft Highway Stuarts Draft, VA 24477 Full Service B&M $25,700
    City National Bank of West Virginia 2700 Mountaineer Blvd. South Charleston, WV 25309 Full Service Retail $8,512
    City National Bank of West Virginia 2934 W. Main St. Waynesboro, VA 22980 Full Service B&M $37,280
    City National Bank of West Virginia 300 Eighth Street Marlinton, WV 24954 Full Service B&M $49,681
    City National Bank of West Virginia 304 Tenth Street Dunbar, WV 25064 Full Service B&M $29,242
    City National Bank of West Virginia 308 Goff Mountain Road Cross Lanes, WV 25313 Full Service B&M $140,572
    City National Bank of West Virginia 316 Walden Drive Lexington, KY 40517 Full Service B&M $35,350
    City National Bank of West Virginia 318 East Main Street Lexington, KY 40507 Full Service B&M $47,704
    City National Bank of West Virginia 324 Elk Street Gassaway, WV 26624 Full Service B&M $13,262
    City National Bank of West Virginia 33230 Old Valley Pike Strasburg, VA 22657 Full Service B&M $34,970
    City National Bank of West Virginia 344 17th St Ashland, KY 41101 Full Service B&M $49,483
    City National Bank of West Virginia 351 River Hill Road Ashland, KY 41101 Full Service B&M $3,148
    City National Bank of West Virginia 3601 Maccorkle Ave., Se Charleston, WV 25304 Full Service B&M $209,944
    City National Bank of West Virginia 3750 Palomar Centre Drive Lexington, KY 40513 Full Service B&M $40,574
    City National Bank of West Virginia 38 North Central Avenue Staunton, VA 24401 Full Service B&M $85,649
    City National Bank of West Virginia 39 Raymond Peak Way Hurricane, WV 25526 Full Service B&M $19,066
    City National Bank of West Virginia 4110 Maccorkle Avenue, Sw South Charleston, WV 25309 Full Service B&M $21,534
    City National Bank of West Virginia 413 Fifth Street New Haven, WV 25265 Full Service B&M $15,825
    City National Bank of West Virginia 420 South Raleigh Street Martinsburg, WV 25401 Full Service B&M $31,636
    City National Bank of West Virginia 440 North Mayo Trail Paintsville, KY 41240 Full Service B&M $28,541
    City National Bank of West Virginia 4th Ave. & Washington Montgomery, WV 25136 Full Service B&M $47,039
    City National Bank of West Virginia 506 Park Avenue Ironton, OH 45638 Full Service B&M $42,155
    City National Bank of West Virginia 515 Stokes Drive Hinton, WV 25951 Full Service B&M $59,748
    City National Bank of West Virginia 5263 U.S. Route 60 East Huntington, WV 25705 Full Service B&M $46,676
    City National Bank of West Virginia 5517 Robert C Byrd Drive Mount Hope, WV 25880 Full Service B&M $29,116
    City National Bank of West Virginia 560 4th St. St. Albans, WV 25177 Full Service B&M $64,997
    City National Bank of West Virginia 575 N.Carol Malone Boulevard Grayson, KY 41143 Full Service B&M $24,736
    City National Bank of West Virginia 600 Commerce Avenue Front Royal, VA 22630 Full Service B&M $42,705
    City National Bank of West Virginia 601 Alta Drive Alderson, WV 24910 Full Service B&M $39,586
    City National Bank of West Virginia 603 South Mayo Trail Paintsville, KY 41240 Full Service B&M $84,254
    City National Bank of West Virginia 617 23rd Street Suite 104 Ashland, KY 41101 Full Service B&M $3,452
    City National Bank of West Virginia 621 Nevan Road Virginia Beach, VA 23451 Full Service B&M $32,393
    City National Bank of West Virginia 6888 Mcclellan Street West Hamlin, WV 25571 Full Service B&M $39,714
    City National Bank of West Virginia 709 Nicholas Street Rupert, WV 25984 Full Service B&M $14,205
    City National Bank of West Virginia 75 West Virginia Way Ranson, WV 25438 Full Service B&M $23,889
    City National Bank of West Virginia 8028 Lynn Avenue Hamlin, WV 25523 Full Service B&M $17,441
    City National Bank of West Virginia 9005 Maccorkle Avenue Se Marmet, WV 25315 Full Service B&M $34,643
    City National Bank of West Virginia 902 North Eisenhower Drive Beckley, WV 25801 Full Service B&M $45,956
    City National Bank of West Virginia 946 Roosevelt Boulevard Eleanor, WV 25070 Full Service B&M $45,075
    City National Bank of West Virginia One Park Avenue Beckley, WV 25801 Full Service B&M $184,789
    City National Bank of West Virginia One Wall Street Winfield, WV 25213 Full Service B&M $43,152
    City National Bank of West Virginia Us Route 219, #10 Red Oak Shopping Center Ronceverte, WV 24970 Full Service B&M $7,312

    For 2018, City National Bank Of West Virginia had 86 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $162,438
    Net interest income $137,849
    Total noninterest income $60,771
    Gross Fiduciary activities income $6,520
    Service charges on deposit accounts $28,453
    Trading account gains and fees $0
    Additional Noninterest Income $25,798
    Pre-tax net operating income $91,213
    Securities gains (or losses, -) $0
    Income before extraordinary items $72,185
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $72,185
    Minority interest net income $0
    Net income $72,185
    Sale, conversion, retirement of capital stock, net $108,425
    Net operating income $72,185

    City National Bank Of West Virginia's gross interest income from loans was $162,438,000.
    City National Bank Of West Virginia's net interest income from loans was $137,849,000.
    City National Bank Of West Virginia's fee based income from loans was $28,453,000.
    City National Bank Of West Virginia's net income from loans was $72,185,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $24,589
    Provision for credit losses $-2,309
    Total noninterest expense $109,716
    Salaries and employee benefits $54,583
    Premises and equipment expense $16,259
    Additional noninterest expense $38,874
    Applicable income taxes $19,028
    Net charge-offs $561
    Cash dividends $50,000

    City National Bank Of West Virginia's interest expense for loans was $24,589,000.
    City National Bank Of West Virginia's payroll and benefits expense were $54,583,000.
    City National Bank Of West Virginia's property, plant and equipment expenses $16,259,000.

    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 $3,993,339
    Deposits held in domestic offices $3,993,339
    Deposits by Individuals, partnerships, and corporations $3,844,213
    Deposits by U.S. Government $19
    Deposits by States and political subdivisions in the U.S. $148,943
    Deposits by Commercial banks and other depository institutions in U.S. $164
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $622,425
    Demand deposits $575,553
    Nontransaction accounts $3,370,914
    Money market deposit accounts (MMDAs) $477,312
    Other savings deposits (excluding MMDAs) $1,542,727
    Total time deposits $1,350,875
    Total time and savings deposits $3,417,786
    Noninterest-bearing deposits $809,638
    Interest-bearing deposits $3,183,701
    Retail deposits $3,831,183
    IRAs and Keogh plan accounts $234,741
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,835,856
    Cash & Balances due from depository institutions $114,283
    Interest-bearing balances $54,110
    Total securities $741,244
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,569,871
    Loan and leases loss allowance $15,966
    Trading account assets $0
    Bank premises and fixed assets $77,915
    Other real estate owned $4,438
    Goodwill and other intangibles $122,848
    All other assets $205,257

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,835,856
    Total Liabilities $4,304,694
    Total deposits $3,993,339
    Interest-bearing deposits $3,183,701
    Deposits held in domestic offices $3,993,339
    % insured (estimated) $95
    Federal funds purchased and repurchase agreements $221,911
    Trading liabilities $0
    Other borrowed funds $40,000
    Subordinated debt $0
    All other liabilities $49,444

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,569,871
    Loan and leases loss allowance $15,966
    Total loans and leases (domestic) $3,585,837
    All real estate loans $3,205,379
    Real estate loans in domestic offices $3,205,379
    Construction and development loans $59,701
    Residential 1-4 family construction $21,833
    Other construction, all land development and other land $37,868
    Loans secured by nonfarm nonresidential properties $1,034,417
    Nonfarm nonresidential secured by owner-occupied properties $233,582
    Commercial real estate & other non-farm, non-residential $800,835
    Multifamily residential real estate $205,423
    1-4 family residential loans $1,891,068
    Farmland loans $14,770
    Loans held in foreign offices $0
    Farm loans $9,324
    Commercial and industrial loans $295,676
    To non-U.S. addressees $0
    Loans to individuals $50,721
    Credit card loans $0
    Related Plans $1,035
    Consumer Auto Loans $34,478
    Other loans to individuals $15,208
    All other loans & leases $24,736
    Loans to foreign governments and official institutions $0
    Other loans $9,948
    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 $30,208
    Non 1-4 family restructured loans & leases $8,165
    Total loans and leases (foreign) $0

    City National Bank of West Virginia had $3,569,871,000 of loans outstanding in 2018. $3,205,379,000 of loans were in real estate loans. $59,701,000 of loans were in development loans. $205,423,000 of loans were in multifamily mortgage loans. $1,891,068,000 of loans were in 1-4 family mortgage loans. $9,324,000 of loans were in farm loans. $0 of loans were in credit card loans. $34,478,000 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 1,314 $219,749 $167,237
    Nonfarm, nonresidential loans - <$100k 481 $13,671 $28,422
    Nonfarm, nonresidential loans - $100-250k 430 $52,660 $122,465
    Nonfarm, nonresidential loans - $250k-1MM 403 $153,418 $380,690
    Commercial & Industrial, US addressed loans - <$1MM 1,544 $100,282 $64,949
    Commercial & Industrial, US addressed loans - <$100k 1,118 $21,970 $19,651
    Commercial & Industrial, US addressed loans - $100-250k 239 $25,630 $107,238
    Commercial & Industrial, US addressed loans - $250k-1MM 187 $52,682 $281,722
    Farmland loans - <$1MM 107 $9,809 $91,673
    Farmland loans - <$100k 55 $1,771 $32,200
    Farmland loans - $100-250k 40 $4,957 $123,925
    Farmland loans - $250k-1MM 12 $3,081 $256,750
    Agriculture operations loans - <$1MM 116 $4,201 $36,216
    Agriculture operations loans - <$100k 103 $1,620 $15,728
    Agriculture operations loans - $100-250k 11 $1,805 $164,091
    Agriculture operations loans - $250k-1MM 2 $776 $388,000