Ridge View Bank

What Ridge View Bank does

Ridge View Bank is a regional community bank founded in July 2021 and headquartered in Roanoke, Virginia, operating as a division of CNB Bank within CNB Financial Corporation (NASDAQ: CCNE). The bank serves consumers, small and medium businesses, high-net-worth individuals, and veterans/military families in the Roanoke Valley and broader Southwest Virginia market through three full-service branches (Roanoke, Salem, Smith Mountain Lake) and a loan production office in Blacksburg. Its product portfolio spans retail and business deposit accounts, consumer and commercial loans, SBA lending, treasury and cash management services, merchant card processing, and private banking delivered through a partnership with 1865 Wealth Advisors.

The bank's underlying technology stack centers on a rebranded digital banking platform — goVivo mobile banking app and Personal eBanking — launched in March 2025 as a replacement for GoMobile, with Personal Financial Management tooling, automated transaction categorization, Zelle P2P payments, mobile check deposit, and live chat. Interactive Teller Machines (ITMs) deployed at branches extend banker access beyond traditional hours. Customer-facing AI/ML is limited to fraud anomaly detection and PFM spending analytics, with no disclosed proprietary models or research-grade AI capability.

Ridge View Bank makes money primarily through net interest income on its lending book (mortgages, home equity, SBA loans, commercial term loans and lines of credit, personal and auto loans) plus transaction fees on deposit accounts, treasury/merchant services, and referral economics from wealth management. Deposit pricing is segmented across Free Checking, premium WOW Checking (up to 4.00% APY), Stress Less (no overdraft fees), At Ease (veterans), and CD/IRA products. Distribution is omnichannel: branches, ITMs, goVivo mobile and online banking, 24/7 ServiceCall telephone banking, and a customer service center. The bank is wholly owned within the CNB Financial Corporation structure and operates without independent public reporting of segment-level financials.

Name

Ridge View Bank

Legal name

Ridge View Bank

Website

https://ridgeviewbank.bank

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Ridge View Bank is a regional community bank headquartered in Roanoke, Virginia, serving consumers, small businesses, high-net-worth individuals, and veterans through deposit, lending, treasury, and wealth management services across four Virginia locations as a division of CNB Financial Corporation.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

akta.pro secondary industries

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE), Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG)

Keywords

• Retail banking services
• Community banking
• Small business lending
• Treasury management services
• Consumer deposit accounts

Headquarters

HQ city

Roanoke

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Interest Income from Lending: Income from residential mortgages, commercial loans, personal loans, lines of credit, and credit cards. Products include SBA loans (SBX), commercial term loans, commercial lines of credit, letters of credit, home equity loans, personal loans, auto loans, and private student loans.
2. Deposit Account Fees and Services: Monthly service charges, overdraft fees, ATM fees, wire transfer fees, and account maintenance fees across checking, savings, and CD accounts.
3. Treasury and Cash Management Services: ACH and payroll services, merchant credit card processing, remote deposit, corporate purchasing/fleet cards, and escrow services for business customers.
4. Wealth and Asset Management: Private banking and wealth advisory services through 1865 Wealth Advisors partnership for high-net-worth individuals.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Ridge View Bank is a community-focused regional bank that provides consumer deposit products (checking, savings, CDs/IRAs, HSA) and consumer lending (mortgages, home equity, personal, auto, private student loans, credit cards), as well as full business banking (business checking/savings/CDs, commercial term loans and lines of credit, SBA SBX loans, letters of credit) and treasury/cash management (ACH & Payroll, EZescrow, Remote Deposit, Merchant Card Processing, Corporate Purchasing/Fleet Card). Distribution spans three Virginia branch offices, a Blacksburg loan production office, ITMs, the goVivo mobile app, Personal and Business eBanking, ServiceCall telephone banking, and wealth services via 1865 Wealth Advisors. The bank is FDIC-insured and Equal Housing Lender, operating as a division of CNB Bank under CNB Financial Corporation (NASDAQ: CCNE).

Product overview

Ridge View Bank is a regional community bank offering a comprehensive suite of personal and business banking products delivered through multiple channels including branch locations, online banking, mobile banking (goVivo), telephone banking (ServiceCall), and Interactive Teller Machines. The product portfolio spans core deposit products (Free Checking, At Ease Checking, Stress Less Account, WOW Checking, Savings Account, Health Savings Account), time deposits (Traditional CDs, At Ease CD, IRA Savings, IRA CDs), credit products (Visa Gold Reward Credit Card, mortgages, home equity, personal loans, auto loans, business loans, commercial credit facilities), and convenience services (Personal eBanking with ePay, goVivo mobile app, Mobile Check Deposit, Zelle P2P payments, ServiceCall 24/7 phone banking, ITMs). Business banking includes treasury services (ACH & Payroll, EZescrow, Remote Deposit, Merchant Processing), commercial lending, and SBA loans. Wealth management is available through 1865 Wealth Advisors partnership. The bank also offers educational resources through its Financial Wellness Center and Fraud Security Hub, and partners with GreenPath for free financial counseling services. Ridge View Bank operates as a division of CNB Bank with locations in Roanoke, Salem, and Smith Mountain Lake, Virginia.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking Worry-free personal checking account with no monthly service charges or minimum balance fees, offering unlimited check-writing and withdrawals with ScoreCard Rewards. Targets individual retail banking customers in Southwest Virginia.
• At Ease Checking Premium interest-bearing checking account for veterans, active service members and their families featuring waived international fees, out-of-network ATM fee refunds and credit monitoring.
• Stress Less Account Checkless banking account offering peace of mind with no overdraft, dormancy or early-closure fees, free mobile and online banking, designed for consumers who want to avoid overdraft and penalty charges.
• WOW Checking Interest-earning checking account offering up to 4.00% APY on qualifying balances, conditional on 12 debit card purchases, direct deposit/ACH and eStatement enrollment per month. Designed for consumers seeking competitive yields on operating cash.
• At Ease Savings Higher-interest savings account for veterans, active service members and their families, with a $100 minimum balance to open and earn interest.
• Savings Account Personal savings account paying a competitive APY (3.25% as of May 2026), with $100 minimum balance to open and earn interest and monthly statements.
• Health Savings Account (HSA) Tax-advantaged savings account for individuals covered by high-deductible health plans, allowing tax-free withdrawals for qualified medical expenses.
• Traditional CDs Certificate of Deposit product paying higher interest than savings, with pre-selected terms ranging from 1 month to 5 years and a $500 minimum deposit.
• At Ease CD 12-month certificate of deposit designed for veterans, active service members and their families with $500 minimum to open.
• IRA Savings Roth IRA nondeductible retirement account featuring tax-free withdrawals after a five-year holding period, $100 minimum deposit and catch-up contributions for age 50+.
• IRA CDs Roth IRA certificates of deposit with terms from 1 to 7 years, $2,000 minimum deposit ($2,500 for 7-year terms) and tax-free withdrawal benefits.
• Visa Gold Reward Credit Card Consumer credit card with competitive variable APR, no annual fee, contactless technology and ScoreCard Rewards (1 point per $1 spent, 2 points per $1 on balance transfers).
• Personal eBanking Internet-based online banking platform providing real-time account access, fund transfers, bill payment via ePay, eStatements and mobile device compatibility.
• goVivo Mobile Banking App Mobile banking application with Personal Financial Management (PFM) tool for tracking spending and budgets, live chat, mobile debit card controls, travel notifications and Zelle P2P payments, launched as the replacement for GoMobile in March 2025.
• Interactive Teller Machines (ITMs) Video teller machines at branch locations providing live banker access before, during, and after traditional banking hours for account inquiries, loan payments, deposits and other transactions.
• ServiceCall 24/7 Telephone Banking 24/7 automated telephone banking service providing account balance access, check and withdrawal information, deposit verification, fund transfers and loan payments via touchtone phone.
• Debit Card Visa debit card with ScoreCard Rewards, worldwide ATM access, fraud monitoring and purchasing capabilities at any Visa-accepting merchant.
• Mortgages Home mortgage lending products for purchasing or refinancing residential properties, originated via the New River Valley Loan Production Office in Blacksburg.
• Home Equity Loans & Lines of Credit Home equity loans and lines of credit that allow borrowers to leverage property equity for borrowing needs.
• Open Your Door Down payment and closing cost assistance program helping community members with upfront costs to achieve homeownership.
• Personal Loan Unsecured personal lending for various needs including debt consolidation, home improvements and major purchases.
• Personal Line of Credit Revolving consumer credit facility with flexible access to funds for personal use.
• Auto Loan Vehicle financing for new and used automobiles with competitive rates, originated under NMLS ID 410748.
• Private Student Loans Education financing for students and families to cover college costs not met by financial aid.
• Business Checking Business deposit accounts with services tailored for business operations, including online banking and merchant services.
• Business Savings Business savings account for depositing excess funds and earning interest.
• Business CDs Business certificates of deposit with fixed terms and guaranteed returns for excess corporate cash.
• IntraFi ICS & CDARS Deposit placement services providing access to FDIC insurance coverage beyond single-bank limits through the IntraFi network (ICS and CDARS).
• Business eBanking Internet banking platform for business customers providing account management, transfers and payment services.
• Business Debit Card Debit card services for business checking accounts with spending controls and expense tracking.
• Small Business Loans (SBX) SBA-supported small business lending program with online application process for business financing needs.
• Commercial Term Loans Term lending products for businesses with fixed repayment schedules for equipment, real estate or working capital needs.
• Commercial Lines of Credit Revolving credit facilities for businesses providing flexible access to funds as needed for operational needs.
• Visa Business Rewards Credit Card Business credit card with rewards program for business purchases.
• Letters of Credit Trade finance instruments guaranteeing payment to sellers in international or domestic transactions.
• ACH & Payroll Services Automated clearing house services for direct deposit, payroll processing and recurring payment collection and disbursements.
• EZescrow Online escrow management service for businesses to securely hold and release funds during transactions.
• Remote Deposit Electronic check deposit service allowing businesses to scan and submit checks remotely for deposit without visiting a branch.
• Merchant Credit Card Processing Payment processing services enabling businesses to accept credit and debit card transactions through First Data, Clover, Authorize.net and Payeezy platforms.
• Corporate Purchasing / Fleet Card Commercial card programs for business purchasing and fleet management with spending controls and reporting.
• Private Banking Banking services for high-net-worth clients including personalized financial solutions and dedicated relationship management, delivered through Tyler Lee (Private Banking Officer) and Ryan Applegate (Private Banker).
• 1865 Wealth Advisors Private wealth management and investment advisory services offered through partnership for high-net-worth individuals and families, accessed via the 1865 Wealth Advisors brand.

Quantifiable outcome

• Free ATM withdrawals at over 80,000 locations nationwide through Allpoint and MoneyPass networks
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

AI capability6 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerPartnership with GreenPath to offer free financial counseling services to communities. GreenPath provides NFCC and HUD-certified counselors for debt management, housing counseling, student loan counseling, and credit report review services.
• 1865 Wealth AdvisorscoreStrategic or Co-development PartnerPartnership providing private banking and wealth management services for high-net-worth individuals through 1865 Wealth Advisors brand within Ridge View Bank's Private Client Solutions.
• CNB Financial CorporationcoreOthersParent company of Ridge View Bank. CNB Financial Corporation (NASDAQ: CCNE) is a financial holding company with consolidated assets of approximately $6.3 billion, operating CNB Bank with divisions including ERIEBANK, FCBank, BankOnBuffalo, Ridge View Bank, and Impressia Bank.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Truist Financial Corporation: One of the largest U.S. commercial banks with significant presence across Virginia and the Carolinas. Major incumbent competitor in the Virginia consumer and commercial banking market where Ridge View operates, though serving materially different customer scales.
• Pinnacle Financial Partners: Tennessee-based regional bank with significant expansion across the Southeast U.S. including Virginia markets. Broader incumbent serving similar consumer and commercial banking segments as Ridge View, with materially larger scale and resources.
• FNB Corporation: Multi-state regional bank holding company with community banking subsidiaries across the Mid-Atlantic and Southeast. Comparable model to CNB Financial Corporation (multi-brand community banking platform), making FNB a structural peer to Ridge View's parent as a broader regional incumbent.

Direct peers

• Atlantic Union Bankshares: One of Virginia's largest regional community banks with deep Virginia footprint and full suite of consumer/commercial/wealth products. Direct competitor to Ridge View Bank in the Virginia market with comparable community banking positioning but materially larger scale.
• Carter Bank & Trust: Virginia-headquartered community bank offering consumer and commercial banking services across the state. Direct competitor to Ridge View in the Virginia community banking market with similar product suite including checking, savings, mortgages, and commercial lending.
• TowneBank: Hampton Roads, Virginia-based community bank serving consumer and business customers with full banking and treasury services. Direct competitor to Ridge View in Virginia community banking, with similar relationship-based model and comparable product breadth.
• Bank of Botetourt: Local Virginia community bank headquartered in Botetourt County, directly adjacent to the Roanoke Valley where Ridge View Bank operates. Closest geographic peer, serving overlapping consumer and small business segments with similar community-focused model.
• Blue Ridge Bankshares: Virginia community bank holding company serving Central and Western Virginia markets. Direct geographic peer to Ridge View in the Southwest Virginia region, with overlapping customer base in small business and consumer banking.
• Eastern Virginia Bankshares (EVB): Virginia community bank serving consumer and business customers across Eastern Virginia. Direct peer in the Virginia community banking space with similar product offerings and customer segments to Ridge View.
• Burke & Herbert Bank: Virginia-headquartered community bank with full consumer and commercial banking services. Direct competitor to Ridge View in the Virginia market, with similar personal/local decision-making model and comparable product breadth including mortgages and commercial lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RidgeViewBank
• LinkedInlinkedin.com/company/ridge-view-bank
• Instagraminstagram.com/ridgeviewbank

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ridge View Bank