← Back to Institutions
City National Bank of West Virginia
Charleston, WV·FDIC Cert #17735·Charter: OCC·Est. 19570401.0·HC: CITY HOLDING CO
Total Assets
$6.7B
Q4 2025
Return on Assets
2.01%
-0.03%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.55%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.01%-0.03
ROE
19.78%-0.08
Efficiency
47.55%+0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.31%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.33%-0.36
Charge-offs
0.02%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 2.0 | 2.0 | 2.0 |
| ROE | 19.6 | 19.0 | 18.3 | 18.5 | 19.5 | 20.0 | 19.9 | 19.8 |
| Efficiency | 47.9 | 48.3 | 48.4 | 48.3 | 49.1 | 48.5 | 47.5 | 47.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.4 | 0.3 | 0.4 | 0.3 | 0.3 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | -0.0 | 0.0 |
| Loan/Deposit | 79.7 | 80.2 | 80.7 | 80.8 | 79.6 | 81.3 | 82.7 | 82.3 |
Balance Sheet
Total Assets$6.7B
Total Deposits$5.4B
Total Loans$4.5B
Total Equity$656.5M
Profitability
ROA2.01%
ROE19.78%
Efficiency Ratio47.55%
Net Income$132.4M
Risk & Asset Quality
NPL Ratio0.31%
Charge-off Rate0.02%
Loan/Deposit82.33%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans