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™
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    • 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 Refi and Home Purchase 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, Lexington, Hagerstown, and Beckley among others. We have data for 40 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

    3,474

    Origination Dollar Volume (All Markets)

    $534,190,000

    Employee count

    928 Show all (14) 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) 976 $144,140,000 $147,684 $1,019 3.69%
    CHARLESTON, WV (FHA|USDA|VA) 542 $60,740,000 $112,066 $964 3.72%
    Outside of Metro Areas 500 $57,100,000 $114,200 $1,163 3.76%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 114 $53,190,000 $466,579 $1,349 3.70%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 245 $36,175,000 $147,653 $1,489 3.69%
    BECKLEY, WV (FHA|USDA|VA) 335 $36,125,000 $107,836 $733 3.85%
    STAUNTON, VA (FHA|USDA|VA) 185 $34,425,000 $186,081 $1,219 3.73%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 142 $22,110,000 $155,704 $1,369 3.63%
    MORGANTOWN, WV (FHA|USDA|VA) 73 $15,675,000 $214,726 $1,831 3.58%
    Clarksburg, WV (FHA|USDA|VA) 72 $11,500,000 $159,722 $1,803 3.60%
    WINCHESTER, VA-WV (FHA|USDA|VA) 54 $9,480,000 $175,556 $2,551 3.65%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 12 $7,190,000 $599,167 $1,899 3.37%
    Fairmont, WV (FHA|USDA|VA) 38 $6,880,000 $181,053 $1,411 3.57%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 17 $6,525,000 $383,824 $2,284 4.39%
    SPRINGFIELD, OH (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $0 2.23%
    Bluefield, WV-VA (FHA|USDA|VA) 33 $3,955,000 $119,848 $520 3.82%
    Point Pleasant, WV-OH (FHA|USDA|VA) 39 $3,405,000 $87,308 $791 3.72%
    Marietta, OH (FHA|USDA|VA) 1 $3,275,000 $3,275,000 $0 2.99%
    Portsmouth, OH (FHA|USDA|VA) 16 $2,100,000 $131,250 $653 3.61%
    Richmond-Berea, KY (FHA|USDA|VA) 7 $1,985,000 $283,571 $1,048 3.62%
    Mount Sterling, KY (FHA|USDA|VA) 21 $1,885,000 $89,762 $1,017 3.55%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $1,545,000 $309,000 $2,794 3.56%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $1,530,000 $765,000 $2,104 3.83%
    HARRISONBURG, VA (FHA|USDA|VA) 8 $1,430,000 $178,750 $1,534 4.06%
    COLUMBUS, OH (FHA|USDA|VA) 4 $1,030,000 $257,500 $2,649 4.31%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $695,000 $139,000 $585 4.39%
    RICHMOND, VA (FHA|USDA|VA) 2 $610,000 $305,000 $450 3.90%
    Elkins, WV (FHA|USDA|VA) 5 $545,000 $109,000 $2,883 3.25%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $510,000 $255,000 $2,162 3.50%
    Mount Gay-Shamrock, WV (FHA|USDA|VA) 5 $435,000 $87,000 $1,148 4.07%
    Key West, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.00%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $240,000 $120,000 $0 4.39%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $2,791 3.65%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.32%
    Frankfort, KY (FHA|USDA|VA) 2 $220,000 $110,000 $0 5.83%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $160,000 $80,000 $150 4.43%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.90%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $75,000 $75,000 $1,839 3.50%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.25%
    City National Bank Of West Virginia's top markets include Huntington, Charleston, Lexington, Hagerstown, and Beckley among others.

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

    Liberty Bank
    Similarity Rank: 68
    First Federal Savings and Loan Association of Greene Co
    Similarity Rank: 119
    DUPONT COMMUNITY
    Similarity Rank: 286
    PATRIOT
    Similarity Rank: 289
    FIRST BANCORP
    Similarity Rank: 380
    Clear Mountain Bank
    Similarity Rank: 450
    The Ohio Valley Bank Company
    Similarity Rank: 480
    Peoples Exchange Bank
    Similarity Rank: 480
    F & M BANK CORP.
    Similarity Rank: 500
    DESCO
    Similarity Rank: 525

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,611 $465,295,000 $178,206 $1,119 3.83%
    HELOC 860 $68,540,000 $79,698 n/a 3.38%
    USDA 3 $355,000 $118,333 $3,269 3.63%

    For 2020, City National Bank Of West Virginia's most frequently originated type of loan was Conventional, with 2,611 originations. Their 2nd most popular type was HELOC, with 860 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,382 $249,600,000 $180,608 $844 3.95%
    Home Purchase 1,130 $221,940,000 $196,407 $1,670 3.64%
    Home Improvement 518 $28,060,000 $54,170 $150 3.43%
    Other 438 $33,140,000 $75,662 $465 3.54%
    Cash Out Refi 5 $1,425,000 $285,000 $150 4.32%
    NA 1 $25,000 $25,000 $0 4.00%

    For 2020, City National Bank Of West Virginia's most frequently cited loan purpose was Refi, with 1,382 originations. The 2nd most popular reason was Home Purchase, with 1,130 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,239 $320,945,000 $143,343 $1,333 3.53%
    10 Year 407 $92,955,000 $228,391 $183 4.07%
    20 Year 329 $39,135,000 $118,951 $812 4.20%
    Other 199 $34,565,000 $173,693 $265 4.22%
    15 Year 157 $22,655,000 $144,299 $2,055 3.71%
    5 Year 60 $2,770,000 $46,167 $174 4.00%
    30+ year 54 $16,760,000 $310,370 $4,142 3.66%
    1 Year 27 $4,085,000 $151,296 $0 4.49%
    3 Year 2 $320,000 $160,000 $150 4.41%

    For 2020, City National Bank Of West Virginia's most frequently cited loan duration was 30 Year, with 2,239 originations. The 2nd most popular length was 10 Year, with 407 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,598 $202,850,000 $126,940
    $1k-2k 111 $28,195,000 $254,009
    $2k-3k 17 $3,675,000 $216,176
    $3k-4k 10 $2,140,000 $214,000
    $4k-5k 4 $1,570,000 $392,500
    $5k+ 4 $1,070,000 $267,500

    City National Bank Of West Virginia's average total fees were $1,333, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,598 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,951 $327,335,000 $167,778
    4-5% 798 $110,880,000 $138,947
    2.5-3% 668 $55,450,000 $83,009
    5-6% 52 $4,820,000 $92,692
    <2.5% 3 $6,255,000 $2,085,000
    6-7% 1 $29,255,000 $29,255,000

    During 2020, City National Bank Of West Virginia's average interest rate for loans was 3.53%, while their most frequently originated rate bucket for loans was 3-4%, with 1,951 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,660 $85,400,000 $51,446 $514 3.74%
    $100k-200k 1,115 $158,395,000 $142,058 $1,232 3.74%
    $200k-400k 582 $157,280,000 $270,241 $1,837 3.62%
    $400k-600k 93 $43,655,000 $469,409 $2,330 3.68%
    $600k-1MM 13 $9,205,000 $708,077 $1,325 4.06%
    $1MM+ 11 $80,255,000 $7,295,909 $2,104 3.85%

    2020 saw City National Bank Of West Virginia place emphasis on $100,000 or less loans with 1,660 originations, totaling $85,400,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 840 $91,250,000 $108,631 $1,026 3.69%
    $50k or less 764 $60,240,000 $78,848 $831 3.72%
    $100k-150k 660 $105,230,000 $159,439 $1,288 3.65%
    $75k-100k 592 $78,350,000 $132,348 $1,269 3.67%
    $150k-250k 310 $57,820,000 $186,516 $1,422 3.67%
    $250k+ 121 $34,375,000 $284,091 $1,813 3.73%

    City National Bank Of West Virginia lent most frequently to those with incomes in the $50k-75k range, with 840 originations. The second most popular income band? $50k or less, with 764 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 956 $124,010,000 $129,718 $1,113 3.69%
    30-36% 626 $83,750,000 $133,786 $1,252 3.64%
    <20% 566 $60,980,000 $107,739 $1,026 3.80%
    37% 121 $18,055,000 $149,215 $1,216 3.68%
    36% 108 $15,120,000 $140,000 $1,384 3.68%
    49% 108 $9,920,000 $91,852 $765 3.46%
    42% 86 $13,970,000 $162,442 $1,296 3.65%
    41% 86 $11,490,000 $133,605 $811 3.75%
    39% 75 $10,325,000 $137,667 $969 3.65%
    38% 75 $11,045,000 $147,267 $1,356 3.67%
    48% 72 $8,860,000 $123,056 $810 3.64%
    43% 68 $8,800,000 $129,412 $1,255 3.62%
    44% 68 $10,230,000 $150,441 $1,145 3.63%
    40% 66 $10,890,000 $165,000 $1,412 3.53%
    46% 65 $8,265,000 $127,154 $964 3.62%
    47% 57 $8,235,000 $144,474 $854 3.67%
    45% 54 $8,100,000 $150,000 $899 3.70%
    50-60% 25 $3,555,000 $142,200 $1,140 3.80%
    >60% 14 $1,770,000 $126,429 $150 4.08%

    City National Bank Of West Virginia lent most frequently to those with DTI ratios of 20-30%, with 956 originations. The next most common DTI ratio? 30-36%, with 626 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,071 $399,135,000 $129,969 $1,124 3.69%
    Not applicable 157 $103,365,000 $658,376 $150 4.44%
    Not provided 177 $21,725,000 $122,740 $1,024 3.62%
    Black 47 $6,125,000 $130,319 $1,123 3.89%
    Asian 10 $1,570,000 $157,000 $1,147 3.85%
    Native Hawaiian or Islander 5 $1,185,000 $237,000 $1,193 3.75%
    Asian Indian 1 $515,000 $515,000 $2,148 3.50%
    Vietnamese 1 $265,000 $265,000 $3,885 3.63%
    Filipino 3 $215,000 $71,667 $150 3.61%
    American Indian 2 $90,000 $45,000 $1,836 3.20%

    Approval Rates

    Total approvals of all applications
    78.95%

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

    Pick Rate

    Approvals leading to origination
    77.78%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,474 $534,190,000 $153,768

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 44 $89,130,000 $2,025,682
    Single Family (1-4 Units):Manufactured 7 $625,000 $89,286
    Single Family (1-4 Units):Site-Built 3,423 $444,435,000 $129,838

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 566 $39,740,000 $70,212 $291 3.68%
    40-60% 420 $51,720,000 $123,143 $727 3.89%
    60-80% 749 $174,455,000 $232,917 $1,299 3.91%
    80-100% 1,196 $240,160,000 $200,803 $1,459 3.64%
    Over 100% 12 $8,130,000 $677,500 $600 4.27%
    Under 20% 509 $15,915,000 $31,267 $243 3.52%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITY NATIONAL BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    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 $37,396
    City National Bank of West Virginia 10 Hale Street Charleston, WV 25301 Full Service B&M $109,031
    City National Bank of West Virginia 100 Elizabeth Dr Stephens City, VA 22655 Full Service B&M $18,811
    City National Bank of West Virginia 100 Poplar Fork Road Scott Depot, WV 25560 Full Service B&M $70,601
    City National Bank of West Virginia 1001 South Main St Woodstock, VA 22664 Full Service B&M $47,592
    City National Bank of West Virginia 1004 Bridge Road Charleston, WV 25314 Full Service B&M $16,716
    City National Bank of West Virginia 101 Commonwealth Drive Mount Sterling, KY 40353 Full Service B&M $22,203
    City National Bank of West Virginia 101 Community Way Staunton, VA 24401 Full Service B&M $31,374
    City National Bank of West Virginia 101 Second Street Sutton, WV 26601 Full Service B&M $43,473
    City National Bank of West Virginia 101 So. Kanawha Street Beckley, WV 25801 Full Service B&M $35,892
    City National Bank of West Virginia 1218 Main Street Rainelle, WV 25962 Full Service B&M $53,307
    City National Bank of West Virginia 1012 Rockwood Avenue Chesapeake, OH 45619 Full Service B&M $36,461
    City National Bank of West Virginia 102 Melrose Drive Glasgow, WV 25086 Full Service B&M $23,760
    City National Bank of West Virginia 102 Walker Street Lexington, VA 24450 Full Service B&M $12,702
    City National Bank of West Virginia 1034 South George Street Charles Town, WV 25414 Full Service B&M $47,705
    City National Bank of West Virginia 1041 Church Street Milton, WV 25541 Full Service B&M $63,383
    City National Bank of West Virginia 108 Church Street N Ripley, WV 25271 Full Service B&M $97,161
    City National Bank of West Virginia 109 South Jefferson Street Lewisburg, WV 24901 Full Service B&M $107,572
    City National Bank of West Virginia 115 West Main Street Clarksburg, WV 26301 Full Service B&M $20,873
    City National Bank of West Virginia 1182 Pineview Drive Morgantown, WV 26505 Full Service B&M $3,520
    City National Bank of West Virginia 119 N Main Cross St Louisa, KY 41230 Full Service B&M $46,135
    City National Bank of West Virginia 120 Kanawha Boulevard W. Charleston, WV 25302 Full Service B&M $40,492
    City National Bank of West Virginia 1216 Johnson Avenue Bridgeport, WV 26330 Full Service B&M $36,129
    City National Bank of West Virginia 128 West 21st Street Buena Vista, VA 24416 Full Service B&M $20,003
    City National Bank of West Virginia 130 Piercy Drive Lewisburg, WV 24901 Full Service B&M $38,886
    City National Bank of West Virginia 1414 Ashland Road Greenup, KY 41144 Full Service B&M $47,778
    City National Bank of West Virginia 142 Sader Drive Inwood, WV 25428 Full Service B&M $34,069
    City National Bank of West Virginia 149 N. Washington Street Berkeley Springs, WV 25411 Full Service B&M $30,124
    City National Bank of West Virginia 150 South Main Street Nicholasville, KY 40356 Full Service B&M $66,634
    City National Bank of West Virginia 1500 Carter Ave Ashland, KY 41101 Full Service B&M $131,375
    City National Bank of West Virginia 1500 Diederich Boulevard Russell, KY 41169 Full Service B&M $20,862
    City National Bank of West Virginia 1700 West King Street Martinsburg, WV 25401 Full Service B&M $79,802
    City National Bank of West Virginia 1711 Second Street Mason, WV 25260 Full Service B&M $23,252
    City National Bank of West Virginia 1723 Harper Road Beckley, WV 25801 Full Service B&M $29,638
    City National Bank of West Virginia 1751 5th Avenue Huntington, WV 25703 Full Service B&M $13,373
    City National Bank of West Virginia 1800 Argillite Road Flatwoods, KY 41139 Full Service B&M $38,572
    City National Bank of West Virginia 1830 Valley Avenue Winchester, VA 22601 Full Service B&M $43,152
    City National Bank of West Virginia 1881 Robert C. Byrd Drive Beckley, WV 25801 Full Service Retail $15,904
    City National Bank of West Virginia 1900 Third Avenue Huntington, WV 25703 Full Service B&M $131,206
    City National Bank of West Virginia 191 Greasy Ridge Road Princeton, WV 24740 Full Service B&M $40,740
    City National Bank of West Virginia 1995 Sutton Lane Sutton, WV 26601 Full Service B&M $33,072
    City National Bank of West Virginia 200 Academy Drive Ripley, WV 25271 Full Service Retail $7,595
    City National Bank of West Virginia 201 State Street Proctorville, OH 45669 Full Service B&M $33,405
    City National Bank of West Virginia 206 Central Avenue Wayne, WV 25570 Full Service B&M $39,723
    City National Bank of West Virginia 21 Dick Huff Lane Verona, VA 24482 Full Service B&M $41,632
    City National Bank of West Virginia 212 Airport Road Beaver, WV 25813 Full Service B&M $57,302
    City National Bank of West Virginia 2134 Raphine Road Raphine, VA 24472 Full Service B&M $19,930
    City National Bank of West Virginia 2212 Jackson Avenue Point Pleasant, WV 25550 Full Service B&M $67,358
    City National Bank of West Virginia 255 Administrative Drive Martinsburg, WV 25404 Full Service B&M $55,662
    City National Bank of West Virginia 2658 Stuarts Draft Highway Stuarts Draft, VA 24477 Full Service B&M $29,180
    City National Bank of West Virginia 2700 Mountaineer Blvd. South Charleston, WV 25309 Full Service Retail $13,664
    City National Bank of West Virginia 2934 W. Main St. Waynesboro, VA 22980 Full Service B&M $44,368
    City National Bank of West Virginia 300 Eighth Street Marlinton, WV 24954 Full Service B&M $53,796
    City National Bank of West Virginia 304 Tenth Street Dunbar, WV 25064 Full Service B&M $35,454
    City National Bank of West Virginia 308 Goff Mountain Road Cross Lanes, WV 25313 Full Service B&M $112,517
    City National Bank of West Virginia 316 Walden Drive Lexington, KY 40517 Full Service B&M $34,189
    City National Bank of West Virginia 318 East Main Street Lexington, KY 40507 Full Service B&M $62,159
    City National Bank of West Virginia 320 4th Avenue Montgomery, WV 25136 Full Service B&M $49,110
    City National Bank of West Virginia 324 Elk Street Gassaway, WV 26624 Full Service B&M $16,569
    City National Bank of West Virginia 33230 Old Valley Pike Strasburg, VA 22657 Full Service B&M $38,708
    City National Bank of West Virginia 351 River Hill Road Ashland, KY 41101 Full Service B&M $4,731
    City National Bank of West Virginia 3601 Maccorkle Ave., Se Charleston, WV 25304 Full Service B&M $210,302
    City National Bank of West Virginia 3750 Palomar Centre Drive Lexington, KY 40513 Full Service B&M $43,034
    City National Bank of West Virginia 38 North Central Avenue Staunton, VA 24401 Full Service B&M $92,526
    City National Bank of West Virginia 386 West Main Street Carlisle, KY 40311 Full Service B&M $42,828
    City National Bank of West Virginia 39 Raymond Peak Way Hurricane, WV 25526 Full Service B&M $25,406
    City National Bank of West Virginia 4110 Maccorkle Avenue, Sw South Charleston, WV 25309 Full Service B&M $29,947
    City National Bank of West Virginia 413 Fifth Street New Haven, WV 25265 Full Service B&M $14,805
    City National Bank of West Virginia 420 South Raleigh Street Martinsburg, WV 25401 Full Service B&M $34,861
    City National Bank of West Virginia 440 North Mayo Trail Paintsville, KY 41240 Full Service B&M $33,133
    City National Bank of West Virginia 506 Park Avenue Ironton, OH 45638 Full Service B&M $56,038
    City National Bank of West Virginia 515 Stokes Drive Hinton, WV 25951 Full Service B&M $62,935
    City National Bank of West Virginia 5263 U.S. Route 60 East Huntington, WV 25705 Full Service B&M $60,502
    City National Bank of West Virginia 5517 Robert C Byrd Drive Mount Hope, WV 25880 Full Service B&M $31,964
    City National Bank of West Virginia 560 4th St. St. Albans, WV 25177 Full Service B&M $90,433
    City National Bank of West Virginia 575 N.Carol Malone Boulevard Grayson, KY 41143 Full Service B&M $29,440
    City National Bank of West Virginia 600 Commerce Avenue Front Royal, VA 22630 Full Service B&M $44,218
    City National Bank of West Virginia 601 Alta Drive Alderson, WV 24910 Full Service B&M $42,054
    City National Bank of West Virginia 603 South Mayo Trail Paintsville, KY 41240 Full Service B&M $91,665
    City National Bank of West Virginia 617 23rd Street Suite 104 Ashland, KY 41101 Full Service B&M $2,738
    City National Bank of West Virginia 6888 Mcclellan Street West Hamlin, WV 25571 Full Service B&M $44,150
    City National Bank of West Virginia 709 Nicholas Street Rupert, WV 25984 Full Service B&M $16,344
    City National Bank of West Virginia 75 West Virginia Way Ranson, WV 25438 Full Service B&M $27,977
    City National Bank of West Virginia 8028 Lynn Avenue Hamlin, WV 25523 Full Service B&M $21,170
    City National Bank of West Virginia 852 U.S. 23 South Shore, KY 41175 Full Service B&M $19,504
    City National Bank of West Virginia 9005 Maccorkle Avenue Se Marmet, WV 25315 Full Service B&M $38,338
    City National Bank of West Virginia 902 North Eisenhower Drive Beckley, WV 25801 Full Service B&M $53,814
    City National Bank of West Virginia 923 North High Street Worthington, OH 43085 Full Service B&M $7,033
    City National Bank of West Virginia 9431 Us Route 60 Ashland, KY 41102 Full Service B&M $99,839
    City National Bank of West Virginia 946 Roosevelt Boulevard Eleanor, WV 25070 Full Service B&M $52,466
    City National Bank of West Virginia One Park Avenue Beckley, WV 25801 Full Service B&M $201,923
    City National Bank of West Virginia One Wall Street Winfield, WV 25213 Full Service B&M $50,209
    City National Bank of West Virginia U.S. 27 South Cynthiana, KY 41031 Full Service B&M $55,986
    City National Bank of West Virginia Us Route 219, #10 Red Oak Shopping Center Ronceverte, WV 24970 Full Service B&M $10,644

    For 2020, City National Bank Of West Virginia had 94 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $176,602
    Net interest income $153,221
    Total noninterest income $84,596
    Gross Fiduciary activities income $7,711
    Service charges on deposit accounts $24,556
    Trading account gains and fees $0
    Additional Noninterest Income $52,329
    Pre-tax net operating income $112,420
    Securities gains (or losses, -) $26
    Income before extraordinary items $90,215
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $90,215
    Minority interest net income $0
    Net income $90,215
    Sale, conversion, retirement of capital stock, net $2,894
    Net operating income $90,194

    City National Bank Of West Virginia's gross interest income from loans was $176,602,000.
    City National Bank Of West Virginia's net interest income from loans was $153,221,000.
    City National Bank Of West Virginia's fee based income from loans was $24,556,000.
    City National Bank Of West Virginia's net income from loans was $90,215,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,381
    Provision for credit losses $10,722
    Total noninterest expense $114,675
    Salaries and employee benefits $62,806
    Premises and equipment expense $18,772
    Additional noninterest expense $33,097
    Applicable income taxes $22,231
    Net charge-offs $3,522
    Cash dividends $74,300

    City National Bank Of West Virginia's interest expense for loans was $23,381,000.
    City National Bank Of West Virginia's payroll and benefits expense were $62,806,000.
    City National Bank Of West Virginia's property, plant and equipment expenses $18,772,000.

    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 $4,673,894
    Deposits held in domestic offices $4,673,894
    Deposits by Individuals, partnerships, and corporations $4,418,807
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $254,259
    Deposits by Commercial banks and other depository institutions in U.S. $825
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $831,308
    Demand deposits $780,290
    Nontransaction accounts $3,842,586
    Money market deposit accounts (MMDAs) $621,935
    Other savings deposits (excluding MMDAs) $1,960,629
    Total time deposits $1,260,023
    Total time and savings deposits $3,893,604
    Noninterest-bearing deposits $1,198,668
    Interest-bearing deposits $3,475,226
    Retail deposits $4,509,808
    IRAs and Keogh plan accounts $228,480
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,693,218
    Cash & Balances due from depository institutions $514,912
    Interest-bearing balances $437,629
    Total securities $1,139,418
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,596,260
    Loan and leases loss allowance $24,549
    Trading account assets $0
    Bank premises and fixed assets $74,337
    Other real estate owned $855
    Goodwill and other intangibles $118,592
    All other assets $248,844

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,693,218
    Total Liabilities $5,068,766
    Total deposits $4,673,894
    Interest-bearing deposits $3,475,226
    Deposits held in domestic offices $4,673,894
    % insured (estimated) $98
    Federal funds purchased and repurchase agreements $295,956
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $98,916

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,596,260
    Loan and leases loss allowance $24,549
    Total loans and leases (domestic) $3,620,809
    All real estate loans $3,196,871
    Real estate loans in domestic offices $3,196,871
    Construction and development loans $67,527
    Residential 1-4 family construction $27,133
    Other construction, all land development and other land $40,394
    Loans secured by nonfarm nonresidential properties $1,096,189
    Nonfarm nonresidential secured by owner-occupied properties $209,230
    Commercial real estate & other non-farm, non-residential $886,959
    Multifamily residential real estate $215,856
    1-4 family residential loans $1,806,973
    Farmland loans $10,326
    Loans held in foreign offices $0
    Farm loans $1,917
    Commercial and industrial loans $353,543
    To non-U.S. addressees $0
    Loans to individuals $49,972
    Credit card loans $0
    Related Plans $719
    Consumer Auto Loans $37,198
    Other loans to individuals $12,055
    All other loans & leases $18,506
    Loans to foreign governments and official institutions $0
    Other loans $2,167
    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 $28,018
    Non 1-4 family restructured loans & leases $7,715
    Total loans and leases (foreign) $0

    City National Bank of West Virginia had $3,596,260,000 of loans outstanding in 2020. $3,196,871,000 of loans were in real estate loans. $67,527,000 of loans were in development loans. $215,856,000 of loans were in multifamily mortgage loans. $1,806,973,000 of loans were in 1-4 family mortgage loans. $1,917,000 of loans were in farm loans. $0 of loans were in credit card loans. $37,198,000 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 1,235 $198,018 $160,338
    Nonfarm, nonresidential loans - <$100k 430 $8,414 $19,567
    Nonfarm, nonresidential loans - $100-250k 414 $49,041 $118,457
    Nonfarm, nonresidential loans - $250k-1MM 391 $140,563 $359,496
    Commercial & Industrial, US addressed loans - <$1MM 2,208 $147,336 $66,728
    Commercial & Industrial, US addressed loans - <$100k 1,673 $42,521 $25,416
    Commercial & Industrial, US addressed loans - $100-250k 327 $35,532 $108,661
    Commercial & Industrial, US addressed loans - $250k-1MM 208 $69,283 $333,091
    Farmland loans - <$1MM 96 $8,554 $89,104
    Farmland loans - <$100k 53 $1,948 $36,755
    Farmland loans - $100-250k 35 $4,094 $116,971
    Farmland loans - $250k-1MM 8 $2,512 $314,000
    Agriculture operations loans - <$1MM 75 $1,460 $19,467
    Agriculture operations loans - <$100k 71 $831 $11,704
    Agriculture operations loans - $100-250k 4 $629 $157,250