Unverified listing What this means
The Lender Report built this page from public records. City National Bank of West Virginia has not reviewed it. Every lender's page starts this way, and it says nothing about City National Bank of West Virginia itself. Each figure shows its source and date. Work at City National Bank of West Virginia? You can claim this page for free.
Bank, Charleston, WV
City National Bank of West Virginia
A bank based in Charleston, WV. Its commercial book is led by non-owner-occupied CRE and C&I. Public files show recent multifamily and 1-4 unit investor loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $2.09B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 48
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $6.76B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 888-816-8064 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.bankatcity.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- bankatcity.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- City National Bank of WVFDIC institution record,
- Address
- 3601 Maccorkle Ave Se, Charleston, WV 25304FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. City National Bank of West Virginia originated 48 multifamily loans in 2025, versus 37 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 2 closed, 0 relocated.FDIC structure history. | FDIC history |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 1.6% to $1.1B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 11.3% to $446.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 8.4% to $237.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 496 small business loans totaling $83.3M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Cabell County, WV | Purchase, 150 or more units | $18M | 6.41% | 5.2 yr | 53% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 100 to 149 units | $6.3M | 5 yr | 70% | HMDA 2025 | |
| 2025 | Kanawha County, WV | Purchase, 50 to 99 units | $5.5M | 6.99% | 25 yr | 74% | HMDA 2025 |
| 2025 | Union County, OH | Refinance, 50 to 99 units | $5.3M | 6.6% | 5 yr | 72% | HMDA 2025 |
| 2025 | Campbell County, KY | Purchase, 25 to 49 units | $2.7M | 6.61% | 5 yr | 82% | HMDA 2025 |
| 2025 | Fairfield County, OH | Refinance, 25 to 49 units | $2.4M | 6.18% | 25 yr | 68% | HMDA 2025 |
| 2025 | Fayette County, KY | Refinance, 25 to 49 units | $2.3M | 6.15% | 10 yr | 31% | HMDA 2025 |
| 2025 | Jessamine County, KY | Purchase, 100 to 149 units | $2M | 6.82% | 10 yr | 59% | HMDA 2025 |
| 2025 | Jessamine County, KY | Purchase, 5 to 24 units | $1.2M | 6.6% | 2 yr | 56% | HMDA 2025 |
| 2025 | Jessamine County, KY | Refinance, 5 to 24 units | $1.1M | 6.95% | 15 yr | 40% | HMDA 2025 |
| 2025 | Hamilton County, OH | Purchase, 5 to 24 units | $980K | 6.33% | 25 yr | 66% | HMDA 2025 |
| 2025 | Warren County, OH | Purchase, 5 to 24 units | $900K | 7.11% | 25 yr | 39% | HMDA 2025 |
| 2025 | Jessamine County, KY | Refinance, 5 to 24 units | $860K | 6.5% | 20 yr | 55% | HMDA 2025 |
| 2025 | Kanawha County, WV | Refinance, 5 to 24 units | $860K | 6.75% | 25 yr | 72% | HMDA 2025 |
| 2025 | Franklin County, KY | Purchase, 5 to 24 units | $840K | 6.75% | 25 yr | 80% | HMDA 2025 |
| 2025 | Staunton city, VA | Purchase, 5 to 24 units | $800K | 7.04% | 25 yr | 85% | HMDA 2025 |
| 2025 | Hamilton County, OH | Refinance, 5 to 24 units | $760K | 7.5% | 2 yr | 46% | HMDA 2025 |
| 2025 | Fayette County, KY | Purchase, 5 to 24 units | $720K | 6.8% | 20 yr | 67% | HMDA 2025 |
| 2025 | Fayette County, KY | Refinance, 5 to 24 units | $620K | 7% | 25 yr | 66% | HMDA 2025 |
| 2025 | Cabell County, WV | Refinance, 5 to 24 units | $600K | 7.06% | 20 yr | 67% | HMDA 2025 |
| 2025 | Hamilton County, OH | Purchase, 5 to 24 units | $580K | 6.8% | 25 yr | 80% | HMDA 2025 |
| 2025 | Lexington-Fayette, KY | Purchase, 5 to 24 units | $540K | 6.7% | 2 yr | 77% | HMDA 2025 |
| 2025 | Kanawha County, WV | Refinance, 5 to 24 units | $460K | 6.45% | 20 yr | 72% | HMDA 2025 |
| 2025 | Jessamine County, KY | Purchase, 5 to 24 units | $460K | 6.75% | 25 yr | 49% | HMDA 2025 |
| 2025 | Lexington-Fayette, KY | Refinance, 5 to 24 units | $460K | 6.7% | 20 yr | 35% | HMDA 2025 |
| 48 multifamily loans made in 2025 | $62.5M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $233M | 5.2% | +4.3% |
| Construction and land development | $54.7M | 1.2% | +55.4% |
| Owner-occupied CRE | $237M | 5.3% | +8.4% |
| Non-owner-occupied CRE | $1.08B | 24.0% | +1.6% |
| Farmland | $36.8M | 0.8% | +23.2% |
| Commercial and industrial | $447M | 9.9% | +11.3% |
| Commercial total | $2.09B |
Reference only: $2.35B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.82B |
| Q4 2023 | $1.90B |
| Q1 2024 | $1.86B |
| Q2 2024 | $1.86B |
| Q3 2024 | $1.89B |
| Q4 2024 | $1.98B |
| Q1 2025 | $1.97B |
| Q2 2025 | $1.97B |
| Q3 2025 | $2.01B |
| Q4 2025 | $2.10B |
| Q1 2026 | $2.08B |
| Q2 2026 | $2.09B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 48 | $62.5M | $460K | $18M | HMDA, |
| Multifamily, 5 or more units | 2024 | 37 | $129M | $455K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 396 | $72.5M | $155K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- City National Bank of West Virginia reported making 496 small business loans totaling $83,290,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 281 of $100,000 or less, 120 over $100,000 up to $250,000, 95 over $250,000 up to $1 million.
- 304 of them, totaling $40,449,000, went to businesses with revenue of $1 million or less.
- City National Bank of West Virginia reported making 64 small farm loans totaling $6,793,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 42 of $100,000 or less, 14 over $100,000 up to $250,000, 8 over $250,000 up to $500,000.
- 63 of them, totaling $6,593,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Raleigh County, WV | 49 | $5.52M |
| Kanawha County, WV | 46 | $8.51M |
| Augusta County, VA | 43 | $5.05M |
| Jessamine County, KY | 38 | $4.60M |
| Fayette County, KY | 29 | $6.55M |
| Boyd County, KY | 26 | $4.93M |
| Staunton city, VA | 22 | $5.75M |
| Woodford County, KY | 16 | $3.90M |
| Greenbrier County, WV | 14 | $1.63M |
| Greenup County, KY | 13 | $1.43M |
| County | Loans | Total |
|---|---|---|
| Nicholas County, KY | 31 | $2.89M |
| Bourbon County, KY | 5 | $778K |
| Augusta County, VA | 5 | $412K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- City National Bank of West Virginia reported commitments to fund construction loans that had not been drawn at June 30, 2026: $11,033,000 for 1-4 family residential construction and $79,214,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $195,825,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 925 | $17.3M |
| Over $100,000 up to $250,000 | 195 | $21.6M |
| Over $250,000 up to $1 million | 167 | $46.1M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 380 | $10.2M |
| Over $100,000 up to $250,000 | 366 | $44.2M |
| Over $250,000 up to $1 million | 459 | $176M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 60 | $1.94M |
| Over $100,000 up to $250,000 | 59 | $6.95M |
| Over $250,000 up to $500,000 | 25 | $7.36M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 80 | $1.65M |
| Over $100,000 up to $250,000 | 6 | $560K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| West Virginia HQ | 58 | 19 | 190 | 0 | 0 |
| Kentucky | 23 | 19 | 120 | 0 | 0 |
| Virginia | 13 | 1 | 55 | 0 | 0 |
| Ohio | 3 | 9 | 29 | 0 | 0 |
| Florida | 0 | 0 | 1 | 0 | 0 |
| Pennsylvania | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Kanawha County, WV | 10 | $8.85M |
| Fayette County, KY | 8 | $63.2M |
| Jessamine County, KY | 8 | $6.30M |
| Hamilton County, OH | 8 | $4.29M |
| Cabell County, WV | 6 | $18.6M |
| Staunton city, VA | 5 | $3.48M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Lexington-Fayette, KY | 20 | $71.7M |
| Charleston, WV | 10 | $8.85M |
| Cincinnati, OH-KY-IN | 10 | $7.90M |
| Huntington-Ashland, WV-KY-OH | 9 | $19.5M |
| Columbus, OH | 5 | $47.8M |
| Staunton-Stuarts Draft, VA | 5 | $3.48M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- City National Bank of West Virginia has 95 offices in 42 counties and 4 states (FDIC Summary of Deposits, June 30, 2026): 95 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Kanawha County, WV | 11 | 0 |
| Raleigh County, WV | 7 | 0 |
| Greenbrier County, WV | 6 | 0 |
| Greenup County, KY | 4 | 0 |
| Berkeley County, WV | 4 | 0 |
| Cabell County, WV | 4 | 0 |
| Putnam County, WV | 4 | 0 |
| Boyd County, KY | 3 | 0 |
| Fayette County, KY | 3 | 0 |
| Lawrence County, OH | 3 | 0 |
| Braxton County, WV | 3 | 0 |
| Mason County, WV | 3 | 0 |
| Johnson County, KY | 2 | 0 |
| Woodford County, KY | 2 | 0 |
| Augusta County, VA | 2 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $100M | $56.6M to $147M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 205.5% | 154.4% to 339.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 8.2% | 0.2% to 52.1% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 83.0% | 74.3% to 108.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $90.2M | $39.6M to $350M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 66.7% | 63.5% to 83.4% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| MVB Bank, Inc | WV | $3.50B | $1.78B |
| Cambridge Savings Bank | MA | $6.98B | $3.69B |
| Midland States Bank | IL | $6.69B | $3.32B |
| Hanmi Bank | CA | $7.95B | $5.30B |
| The Camden National Bank | ME | $6.94B | $2.48B |
| CTBC Bank Corp. (USA) | CA | $5.87B | $2.87B |
| Community Trust Bank, Inc. | KY | $6.95B | $2.40B |
| Central Pacific Bank | HI | $7.50B | $2.45B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. City National Bank of West Virginia, FDIC certificate 17735. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $6.76B in total assets and $2.09B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 481 recorded loans from the HMDA file, in 2024 and 2025: 48 HMDA multifamily 2025, 37 HMDA multifamily 2024, 396 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to City National Bank of West Virginia]
- Phone and website. Phone 888-816-8064, from the lender's website on November 9, 2026. Website bankatcity.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 496 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 17735
- RSSD
- 1011526
- LEI
- 549300KJZ82173UB3I21
- The Lender Report ID
- lr_000292
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Charleston, WV
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $6.8B in total assets as of June 30, 2026 (FDIC call report).
- Held $2.1B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.1B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 1.6% from a year earlier (FDIC call report).
- Held $446.6M of commercial and industrial loans as of June 30, 2026, up 11.3% from a year earlier (FDIC call report).
- Held $237.1M of owner-occupied commercial real estate loans as of June 30, 2026, up 8.4% from a year earlier (FDIC call report).
- Originated 48 multifamily loans totaling $62.5M in 2025 (HMDA).
8 more sentences
- Originated 37 multifamily loans totaling $129M in 2024 (HMDA).
- Originated 396 1-4 unit investor or business-purpose loans totaling $72.5M in 2025 (HMDA).
- Listed 97 offices in 4 states (FDIC).
- Reported making 496 small business loans totaling $83.3M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 64 small farm loans totaling $6.8M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 1,287 commercial and industrial loans that were $1 million or less when made, with a balance of $84.9M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 1,205 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $230.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $11M for 1-4 family and $79.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, City National Bank of West Virginia, https://lender.report/lender/city-national-bank-of-west-virginia-wv/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- SEC 10-Q and 10-K filings, September 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem