Bank · FDIC insured
CNB Bank
A $805.7M bank headquartered in Berkeley Springs, WV, with 9 branches in 2 states. Best rates: CDs 3.70% and savings 0.50% APY.
CNB Bank Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#15 of 21 in Hagerstown, MD-WV metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About CNB Bank
- Headquarters
- 101 S Washington St, Berkeley Springs, WV 25411
- FDIC certificate
- 14507 ↗
Branches
9 branches in 2 states
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West Virginia
5 branches
- CNB Bank, Inc.Main office101 S Washington St, Berkeley Springs, WV 25411Directions
- Valley Road Branch1610 Valley Rd, Berkeley Springs, WV 25411Directions
- Spring Mills Branch1231 T J Jackson Dr, Falling Waters, WV 25419Directions
- Hedgesville Branch2646 Hedgesville Rd, Martinsburg, WV 25403Directions
- South Martinsburg Branch14994 Apple Harvest Dr, Martinsburg, WV 25405Directions
Maryland
4 branches
- Dual Highway Branch1625 Dual Hwy, Hagerstown, MD 21740Directions
- Hagerstown Branch13527 Pennsylvania Ave, Hagerstown, MD 21742Directions
- Hagerstown Branch17803 Virginia Ave., Hagerstown, MD 21740Directions
- Hancock Branch333 E Main St, Hancock, MD 21750Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.50% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.09% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.05% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio9.50%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.09%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.05%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of CNB Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.