CNB Bank
- Company typePrivate
- Founded1934
- HeadquartersBerkeley Springs, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
CNB Bank firmographics
Firmographics- Name
- CNB Bank
- Legal name
- CNB Bank, Inc.
- Website
- https://cnb.bank
- Company type
- Private
- Founded year
- 1934
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
CNB Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where CNB Bank is headquartered
LocationHeadquarters
- HQ city
- Berkeley Springs
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
CNB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest income earned from loans and securities less interest paid on deposits. Primary revenue driver for the bank, with net interest income of $6.111 million for Q1 2026
- Non-Interest Income: Fees and charges including service fees, ATM fees, and other banking service charges. Q1 2026 non-interest income was $1.326 million
- Investment and Wealth Management Services: Securities and advisory services offered through LPL Financial partnership including individual services, institutional services, and trust services
- Trust Services: Trust and wealth management services including living trusts, estate planning, retirement accounts, and charitable trusts
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | Kasasa Cash - High-yield checking with rewards |
| Hybrid | Monthly | Kasasa Cash Back - Cash back rewards checking |
| Hybrid | Monthly | Kasasa Saver - Savings linked to checking rewards |
| Subscription | Monthly | Thrive Checking - Premium interest-bearing checking |
| Subscription | Monthly | Money Market Account |
| Subscription | Multi-year contract | Certificate of Deposit (CD) Rates |
| One time/ perpetual license | Pay-as-you-go | Refi & Ride Auto Refinancing |
| Usage-based | Monthly | HELOC (Home Equity Line of Credit) |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
CNB Bank product offering
Product offeringCore offering
CNB Bank is a community bank providing personal and business deposit products (checking, savings, CDs, IRAs, money market), consumer and commercial lending (auto, HELOC, mortgage, business loans), digital banking (CNB Now online and mobile, Zelle, Remote Deposit Anywhere), and investment and trust services through an LPL Financial partnership. The bank serves retail consumers, local small and medium businesses, mortgage customers, and wealth management clients across nine branches in West Virginia and Maryland, with local decision-making authority combined with modern digital banking capabilities.
Product overview
CNB Bank operates as a community bank offering a unified platform of banking, lending, and investment services through multiple delivery channels including physical branches, online banking (Net24), and mobile applications. The core product suite includes personal and business checking accounts (with premium Thrive Checking and Kasasa reward accounts), savings products (Kasasa Saver, Money Market, Statement Savings), CDs and IRAs, consumer and mortgage lending (including HELOC and Refi & Ride auto refinancing), business banking with integrated cash management, and investment and trust services. The bank differentiates through local decision-making and community focus while providing modern digital banking capabilities including Zelle payments, Remote Deposit Anywhere, and fraud mitigation tools. Investment services are delivered through LPL Financial partnership, while trust services are offered directly.
Differentiator
Problem solved
Functional benefit
Brands
- CNB Wealth Advisors: Investment and wealth management services including retirement planning, estate planning, and institutional services offered through partnership with LPL Financial.
- CNB Now
Products and services
- CNB Now Digital Banking
Quantifiable outcome
- Total assets of $803.9 million as of Q1 2026
- +4 more outcomes
Companies that use CNB Bank
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
CNB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature8 records
CNB Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- LPL FinancialcoreSecurities and advisory services partnership where LPL Financial provides investment platform and broker-dealer services. CNB Bank refers customers to LPL financial professionals. Securities offered through LPL include individual services, institutional services, corporate retirement programs, and trust services. Representatives include Mike Kasecamp, Dan Stevens, and Toby Crites.
- FIS GlobalcoreTechnology provider for online banking services. Trust login redirects to FIS Global identity management platform.
Scale indicators13 records
Recent moves7 records
Expansion highlights5 records
CNB Bank competitors and assessment
Company assessmentBroad incumbents
- M&T Bank: M&T Bank is a $200B+ Buffalo, NY-based regional bank with deep branch presence throughout West Virginia and Maryland including the Hagerstown/Martinsburg corridors. Much larger incumbent that competes with CNB for the same retail and SMB customers with similar product breadth.
- Truist Financial Corporation: Truist (formed from BB&T and SunTrust merger) is a top-10 US bank with substantial presence in WV, MD, VA, NC, and throughout the mid-Atlantic. BB&T legacy branches actively compete with CNB in the Berkeley Springs/Hagerstown footprint for both retail and small-business banking.
- United Bank: United Bank is a Mid-Atlantic regional community bank serving WV, VA, MD, and DC with full retail, commercial, mortgage, and wealth services. Direct geographic overlap in the Eastern Panhandle and broader mid-Atlantic with substantially larger scale than CNB.
Direct peers
- WesBanco Bank: WesBanco is a Wheeling, WV-based community/regional bank with similar full-service personal and business banking, wealth management, and trust services across WV, OH, and PA. Directly comparable community-banking model serving small-town markets in the same tri-state region as CNB.
- First United Corporation: First United is a community bank holding company headquartered in Oakland, MD, serving Western Maryland, West Virginia, and the surrounding region. Near-identical geographic footprint (Washington County MD, WV panhandle) and similar community-banking positioning make it one of CNB's closest direct peers.
- City National Bank of West Virginia: City National Bank of WV is a Charleston, WV-based community bank offering consumer, business, mortgage, and wealth services across southern WV. Same community-bank charter type, similar product set, and overlapping state make it a relevant direct peer despite different geographic concentration within WV.
- MVB Bank Corp. MVB Bank is a Fairmont, WV-based community bank holding company offering commercial, retail, and mortgage banking plus wealth services across WV, MD, and the DC metro. Comparable size tier and community-bank model overlapping in the eastern panhandle and northern WV markets.
- Bank of Charles Town: Bank of Charles Town is a small Eastern Panhandle WV community bank serving Jefferson County and surrounding areas. Sub-comparable size and directly overlapping WV panhandle geography make it a tight direct competitor for the same retail and small-business customer base.
Regional players
- Farmers & Merchants Bank: Farmers & Merchants Bank is a small VA-based community bank serving the Shenandoah Valley and parts of WV. Similar sub-$1B asset size, traditional community bank charter, and rural/small-town customer profile make it a structurally comparable peer.
- ACNB Corporation (ACNB Bank): ACNB Bank is a Gettysburg, PA-based community bank serving south-central PA, northern MD, and the DC metro. Comparable size tier and traditional community banking model with adjacent Maryland geography and similar product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
CNB Bank social profiles
Digital presenceCNB Bank compliance and trust
Trust signalCompliance3 records
CNB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
CNB Bank leadership team
Management profileNumber of profiles
Profiles19 records
CNB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CNB Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CNB Bank
What does CNB Bank do?
CNB Bank is a community bank providing personal and business deposit products (checking, savings, CDs, IRAs, money market), consumer and commercial lending (auto, HELOC, mortgage, business loans), digital banking (CNB Now online and mobile, Zelle, Remote Deposit Anywhere), and investment and trust services through an LPL Financial partnership. The bank serves retail consumers, local small and medium businesses, mortgage customers, and wealth management clients across nine branches in West Virginia and Maryland, with local decision-making authority combined with modern digital banking capabilities.
Is CNB Bank a public or private company?
CNB Bank is a private company. It is classified as unknown and is currently operating.
When was CNB Bank founded?
CNB Bank was founded in 1934. It employs 51 to 100 people.
Where is CNB Bank based?
CNB Bank is headquartered in Berkeley Springs, United States, in the North America region.
How does CNB Bank make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income, investment and Wealth Management Services and trust Services.
Who are CNB Bank's main competitors?
Broad incumbents on record are M&T Bank, Truist Financial Corporation and United Bank. Direct peers are WesBanco Bank, First United Corporation, City National Bank of West Virginia, MVB Bank Corp. and Bank of Charles Town. Regional players are Farmers & Merchants Bank and ACNB Corporation (ACNB Bank).
Does CNB Bank have an API?
No public API is recorded for CNB Bank.
What industry is CNB Bank in?
CNB Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.