WV lenders / Community Bank
CNB Bank, Inc.
Community Bank · Berkeley Springs, WV · Cnb Financial Services Inc
- Total assets
- $805.2M
- CRE loan book
- $197.7M
- QoQ CRE growth
- 6.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.53% as of Q1 2026 — TX bank median 4.87% (0.66pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.53% | 5.77% |
| Q4 2025 | 5.57% | 5.80% |
| Q3 2025 | 5.56% | 5.78% |
| Q2 2025 | 5.41% | 5.61% |
| Q1 2025 | 5.27% | 5.48% |
| Q4 2024 | 5.09% | 5.29% |
| Q3 2024 | 5.26% | 5.51% |
| Q2 2024 | 5.18% | 5.33% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $197.7M | $45.9M | $13.6M | 174% | $70,000 |
| Q4 2025 | $185.6M | $45.4M | $13.4M | 160% | $70,000 |
| Q3 2025 | $182.2M | $60.2M | $13.6M | 176% | $78,000 |
| Q2 2025 | $178.3M | $59.0M | $14.0M | 227% | $70,000 |
| Q1 2025 | $177.3M | $56.1M | $14.5M | 226% | $0 |
| Q4 2024 | $170.1M | $49.9M | $14.6M | 219% | $0 |
| Q3 2024 | $160.8M | $49.6M | $13.7M | 210% | $0 |
| Q2 2024 | $161.9M | $48.9M | $15.6M | 211% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Old Fort Banking CompanyCommunity Bank · Old Fort · $196.9M CRE book
- West Point BankCommunity Bank · Radcliff · $198.7M CRE book
- Iowa State BankCommunity Bank · Hull · $195.6M CRE book
- American Heritage BankCommunity Bank · Sapulpa · $200.0M CRE book
- Golden Valley BankCommunity Bank · Chico · $194.0M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.