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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · West Virginia, the state note

City National Bank of West Virginia

Charleston, West Virginia · $6.76B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

0.22%
NPA / loans
3rd of 12
1.92%
ROA
3rd of 12
48.1%
Efficiency
3rd of 12

City National Bank of West Virginia is the second largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $6.76B in assets at 30 June 2026. Loans are 83.0% of deposits, 6th of 12 against a median of 86.0%, and equity is 10.6% of assets, 5th of 12. Loans grew +3.9% in the year, 9th of 12, and deposits grew 2.1%; the cohort's median loan growth is +6.7%.

Noncurrent loans are 0.22% of the book, 3rd of 12 against a median of 0.41%; 0.20% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 30.4% of loans, 7th of 12 against a median of 28.7%, and 206% of capital, below the 300% screen, with construction at 8% against the 100% screen.

Return on assets is 1.92%, 3rd of 12 against a median of 1.40%, on an efficiency ratio of 48.1%, 3rd of 12. Five years ago it was 1.42%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.41% SB Southern Bank & Trust Co. 0.12% BB Bradesco Bank 0.15% CN City National Bank of West Virginia 0.22% SF Southern First Bank 0.28% OB Ocean Bank 0.38% CC Capital City Bank 0.40% FB Fidelity Bank 0.42% MC Metro City Bank 0.44% BU Banesco USA 0.49% CB Carter Bank & Trust 1.01% FF First Federal Bank 2.96% EB Emigrant Bank 4.77%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.7% MC Metro City Bank +26.6% BB Bradesco Bank +15.2% OB Ocean Bank +9.1% SB Southern Bank & Trust Co. +8.4% BU Banesco USA +8.4% SF Southern First Bank +7.5% FB Fidelity Bank +5.9% FF First Federal Bank +4.6% CN City National Bank of West Virginia +3.9% CB Carter Bank & Trust -0.3% EB Emigrant Bank -3.8% CC Capital City Bank -4.4%

SBA 7(a), FY2008 to FY2026

City National Bank of West Virginia is the 111th largest 7(a) lender into Kentucky of 267, with $4M across 19 loans, 0.1% of everything approved in the state (The Huntington National Bank leads with $254M). 10 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kentucky, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Woodford, KY$709K7th of 183.7%quiet FY2009
Knox, KY$642K6th of 106.1%quiet FY2012
Boone, KY$535K38th of 620.4%quiet FY2012
Scott, KY$372K21st of 311.0%quiet FY2012
Jefferson, KY$300K98th of 1230.0%quiet FY2012
Fayette, KY$273K70th of 850.1%quiet FY2014
Jessamine, KY$258K21st of 310.8%quiet FY2015
Boyd, KY$185K13th of 200.8%quiet FY2011
Franklin, KY$181K14th of 200.8%quiet FY2009
Anderson, KY$70K16th of 190.4%quiet FY2009
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance6$2M49.4%0.00%922nd of 2,172
Arts, entertainment & recreation3$567K16.1%0.00%991st of 1,656
Professional & technical services2$350K9.9%0.00%1386th of 1,955
Accommodation & food services2$279K7.9%0.00%2152nd of 2,596
Retail trade2$215K6.1%0.00%2257th of 2,589
7(a) lenders into Kentucky, share of approvals since FY2008267 lenders on record; the ten largest and City National
TH The Huntington National Bank 8.1% $254M · 1,146 loans SY Stock Yards Bank & Trust Company 7.7% $241M · 552 loans LO Live Oak Banking Company 7.4% $232M · 177 loans UB U.S. Bank, National Association 6.6% $206M · 1,215 loans CT Community Trust Bank, Inc. 5.7% $177M · 1,139 loans RB Republic Bank & Trust Company 4.4% $136M · 414 loans JC JPMorgan Chase Bank, National Ass… 2.1% $67M · 343 loans FF First Financial Bank 2.0% $64M · 158 loans G Gbank 2.0% $61M · 31 loans FT Fifth Third Bank 1.9% $58M · 209 loans CN City National Bank of West Virgin… 0.1% $4M · 19 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
City NationalRankCohort median
Total CRE against capital, the 300% screen206%7th of 12182%
Construction against capital, the 100% screen8%2nd of 1230%
Construction and land development, share of loans1.2%2nd of 125.3%
Non-owner-occupied nonfarm nonresidential, share of loans24.0%9th of 1218.2%
Total CRE, the guidance definition, share of loans30.4%7th of 1228.7%
CRE growth over 36 months, the third prong+19.8%7th of 12+17.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ocean Bank$7.63B1.1%60.6%0.38%0.00%1.4%100.1%9.6%
City National Bank of West Virginia$6.76B1.9%48.1%0.22%0.05%0.5%83.0%10.6%
Bradesco Bank$6.10B1.0%59.3%0.15%0.00%1.0%91.3%9.9%
Banesco USA$5.98B1.5%53.9%0.49%0.10%0.9%76.7%10.5%
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
Southern Bank & Trust Co.$5.30B1.3%52.6%0.12%0.00%1.0%74.7%8.2%
Carter Bank & Trust$4.80B3.6%38.6%1.01%-0.83%1.5%89.0%11.3%
Southern First Bank$4.70B0.9%57.4%0.28%0.01%1.1%100.9%8.7%
Fidelity Bank$4.66B1.7%51.5%0.42%0.06%1.3%70.1%10.0%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Metro City Bank$4.47B2.0%41.0%0.44%0.01%0.7%112.3%11.5%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
City NationalCohort median
20212026Change20212026Change
Loans$3.53B$4.51B+28%$2.19B$3.96B+81%
Deposits$4.81B$5.43B+13%$3.22B$4.19B+30%
NPA / loans0.28%0.22%-0.06 pts0.33%0.41%+0.07 pts
Efficiency54.2%48.1%-6.1 pts65.3%55.6%-9.7 pts
ROA1.42%1.92%+0.50 pts1.23%1.40%+0.17 pts

This read was prepared for City National Bank of West Virginia's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on City National Bank of West Virginia is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution www.bankatcity.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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