Cnb Bank Inc (FDIC #14507): Bank Stress & Real-Estate Credit Exposure
Cnb Bank Inc (FDIC Cert #14507): bank stress 75/100, severe, STABLE over 7 days; parent CNB FINANCIAL SERVICES INC.
Cnb Bank Inc (#14507) lends in 3 counties across 2 states; Cnb Bank Inc (#14507) reaches 36 ZIP codes: West Virginia 2 counties, 15 ZIPs; Maryland 1 county, 21 ZIPs.
Cnb Bank Inc (#14507) largest markets: Washington County, MD (84 branches, 21 ZIPs) (#14507), Berkeley County, WV (36 branches, 12 ZIPs) (#14507), Morgan County, WV (8 branches, 4 ZIPs) (#14507).
Cnb Bank Inc (#14507) reports $805.7 million in total assets; Cnb Bank Inc (#14507) equity $68.7 million (8.5% of Cnb Bank Inc (#14507) assets); Cnb Bank Inc (#14507) domestic deposits $652.5 million; Cnb Bank Inc (#14507) net income $4.2 million; Cnb Bank Inc (#14507) return on assets 1.05%; Cnb Bank Inc (#14507) return on equity 12.46%; Cnb Bank Inc (#14507) net interest income $13.4 million; Cnb Bank Inc (#14507) call report June 30, 2026.
Cnb Bank Inc (#14507) noncurrent real-estate loans: none reported; Cnb Bank Inc (#14507) net charge-offs on real estate 0.08%.
Cnb Bank Inc (#14507) net interest margin 3.51% against an eight-quarter Cnb Bank Inc (#14507) average of 3.24% (Cnb Bank Inc (#14507) compression -0.27 points); Cnb Bank Inc (#14507) rate-exposure score 40/100, Cnb Bank Inc (#14507) fixed-rate trap 40/100; Cnb Bank Inc (#14507) risk type credit driven; Cnb Bank Inc (#14507) rate regime rates elevated, Cnb Bank Inc (#14507) snapshot October 19, 2026.
Cnb Bank Inc (#14507) stress score moved from 76.5 on June 22, 2026 to 74.7 on October 19, 2026; Cnb Bank Inc (#14507) ranged 74.7 to 76.5 over 116 snapshots.
Cnb Bank Inc (#14507) alerts: 3 counties; top Cnb Bank Inc (#14507) alert scores: Berkeley Springs County, WV 24 (low); Hancock County, WV 24 (low); Martinsburg County, WV 24 (low).