City National Bank

What City National Bank does

City National Bank is a regional community bank founded in 1957 and headquartered in Cross Lanes, West Virginia, operating as the wholly-owned banking subsidiary of City Holding Company (NASDAQ: CHCO, market capitalization approximately $1.73 billion). The bank serves individual consumers, small-to-mid-sized businesses, and high-net-worth clients across West Virginia and Kentucky, with a physical branch network complemented by digital channels including the CNB Mobile Bank mobile application (iOS/Android), online banking platform, Video Banker remote teller service, and Zelle peer-to-peer payments integration.

The product portfolio spans three core segments. Personal Banking includes checking accounts (standard, Teen Checking, Bounce Back Checking for previously denied applicants), savings accounts and CDs, debit and credit cards, mortgages (including City Start Mortgage for first-time buyers), home equity lines of credit, and consumer loans. Business Banking encompasses commercial checking and savings, cash management tools with Positive Pay and ACH Filters for fraud prevention, commercial lending, and merchant services. Wealth Management Services include retirement planning, the $25K+ Guided Investment Account, investment management with an all-inclusive fee structure and no proprietary products, and trust and estate planning, collectively managing $2B+ in assets. Supporting technology includes two-factor authentication, mobile deposit (up to $10,000/month), the Money Manager personal financial management tool, My Credit Manager credit monitoring, and Bounce Protection overdraft solutions.

Revenue is generated through net interest income on the lending portfolio (mortgages, consumer loans, commercial loans, credit cards), non-interest banking fees (overdraft fees at $36 per item, account maintenance, wire transfers), wealth management advisory fees (subscription/recurring), and card services interchange revenue. Distribution combines a physical branch network across West Virginia and Kentucky with full digital channels and a Customer Care Center (888-816-8064). The bank differentiates through community engagement via the City Cares program, financial education initiatives (Teach Children to Save, Safe Banking for Seniors), and J.D. Power recognition as #1 for Retail Banking Customer Satisfaction in the North Central Region for the sixth time in nine years.

Name

City National Bank

Legal name

City Holding Company

Website

https://bankatcity.com

Company type

Public

Founded year

1957

Operating status

Operating

Headcount range

501–1,000 employees

Short description

City National Bank is a West Virginia-based regional community bank (subsidiary of NASDAQ-listed City Holding Company) serving consumers, small-to-mid-sized businesses, and wealth management clients across West Virginia and Kentucky through branch banking, mobile and online platforms, and a $2B+ wealth management practice.

Ownership category

akta.pro rank

Product category

Regional Community Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Digital Banking & Neobank Platforms (BPAMAFAD), Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM)

Keywords

• Retail banking services
• Commercial lending
• Wealth management services
• Consumer mortgage loans
• Mobile banking platform

Headquarters

HQ city

Kentucky

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Interest income generated from lending activities including mortgages, consumer loans, business loans, and credit cards, offset by interest paid on deposits.
2. Banking Fees and Service Charges: Non-interest fee income from overdraft fees ($36 per NSF item, max 6 per day), account maintenance, ATM usage, wire transfers, and other banking services.
3. Wealth Management Fees: Fee-based revenue from investment management, retirement planning, trust services, and estate planning for clients with $25,000+ minimum balances. All-inclusive fee structure with no proprietary products.
4. Card Services: Revenue from debit and credit card transactions, interchange fees, and card-related services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

City National Bank provides a full range of consumer and commercial banking services through three primary segments: Personal Banking (checking, savings, debit/credit cards, teen accounts, Bounce Back Checking for credit-challenged customers, and consumer loans), Business Banking (commercial checking and savings, cash management with Positive Pay fraud protection, merchant services, and commercial lending), and Wealth Management (retirement planning, $25K+ Guided Investment Accounts, and trust and estate planning). The bank supplements these offerings with mortgage origination including the City Start Mortgage for first-time buyers and a digital banking platform comprising the CNB Mobile Bank app, online banking, mobile deposit, Zelle payments, and the Video Banker remote service.

Product overview

City National Bank operates as a regional community bank offering a comprehensive suite of banking products organized across three core segments: Personal Banking (checking, savings, debit/credit cards, and consumer lending including specialized Bounce Back Checking for credit-challenged customers and City Start Mortgage for first-time homebuyers), Business Banking (commercial checking, cash management with Positive Pay fraud protection, commercial lending, and business loans), and Wealth Management Services (retirement planning with 401(k) and IRA options, investment management via $25K+ Guided Investment Accounts, and trust & estate planning). The bank complements its core offerings with robust digital banking capabilities through the CNB Mobile Bank platform (iOS/Android) and online banking, featuring Mobile Deposit, Bill Pay, eStatements, Money Manager budgeting tools, My Credit Manager credit monitoring, and Video Banker remote teller services. Community-focused products include special accounts for teens, seniors, veterans, first responders, school personnel, and medical professionals. The bank is headquartered in Cross Lanes, West Virginia, with operations across West Virginia, Kentucky, and Virginia.

Differentiator

Problem solved

Functional benefit

Brands

• CNB Mobile Bank: Mobile banking application offering online banking features including mobile deposits, Zelle transfers, bill pay, credit score access, and money management tools.

Products and services

• Personal Checking Core checking account product for individual customers with features including online access, debit card, and overdraft protection options such as Bounce Protection, Bounce Protection Plus, Overdraft Line of Credit, and Linked Savings Account Overdraft Protection.
• Teen Checking Specialized checking account designed for teenage customers, with parental oversight features and financial education tools to introduce young customers to banking.
• Bounce Back Checking Innovative checking option for individuals who have been denied the opportunity to open a checking account and are looking for a fresh start.
• Savings & CDs Savings accounts and certificates of deposit for personal banking customers with various term options and interest rates.
• Debit & Credit Cards Personal debit and credit card products with fraud protection and mobile card management capabilities.
• Business Checking & Savings Commercial checking and savings accounts with cash management, online business banking, and commercial lending services for small and mid-sized businesses.
• Mortgages Home mortgage lending including purchase and refinance options with access to dedicated mortgage loan specialists.
• City Start Mortgage Specialized mortgage program helping first-time buyers with low to moderate income realize their dream of owning a home.
• Home Equity Line of Credit Credit line secured by home equity for flexible borrowing and home improvement financing.
• Consumer Loans Personal loan products for various needs including debt consolidation, major purchases, and unexpected expenses.
• Business Loans Commercial lending solutions including term loans, lines of credit, and equipment financing for business growth.
• Business Credit Cards Business credit card products offered alongside commercial checking, savings, and lending services.
• Retirement Planning Wealth management service offering account consolidation, rollover assistance, and personalized retirement plans with various account types including 401(k), IRAs, and pension plans.
• Investment Management Custom investment management with all-inclusive fee structure, no proprietary products, and local advisor guidance for portfolios starting at $25,000 minimum.
• $25K+ Guided Investment Account Professionally guided investment account combining local advisor guidance with diversified, low-cost investment strategies for clients with $25,000 or more.
• Trust & Estate Planning Full range of trust and estate services including trust administration, estate settlement, living trusts, and trustee services.
• CNB Mobile Bank App Mobile banking application available on iOS and Android platforms providing account access, money transfers, mobile deposits, Zelle payments, and bill payment capabilities.
• Online Banking Web-based banking platform providing account access, money transfers, bill pay, eStatements, and comprehensive account management features.
• Video Banker Remote video banking service enabling customers to connect with bank representatives for account assistance and transactions without visiting a branch.

Quantifiable outcome

• Ranked #1 for Retail Banking Customer Satisfaction in the North Central Region - sixth time in last nine years
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• Apple (App Store)coreTechnology or IntegrationCNB Mobile Bank app distributed through Apple App Store for iOS devices including iPhone, iPad, and iPod Touch with iOS 10 or higher.
• Google (Google Play)coreTechnology or IntegrationCNB Mobile Bank app distributed through Google Play for Android phones and tablets version 5.0 or higher.
• Zelle (Early Warning Services)coreTechnology or IntegrationPerson-to-person payment integration through Zelle allowing customers to send money to friends and family directly from their City National Bank accounts.

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• First Community Bankshares: Bluefield, VA-based community bank holding company (NASDAQ: FCBC) with branches across VA, WV, NC, SC, and TN. Closely comparable community banking model and overlapping WV/VA service territory.
• WesBanco: Wheeling, WV-based regional bank (NASDAQ: WSBC) operating across WV, OH, PA, and KY. Direct peer in size, business mix (consumer/commercial/wealth), and regional geography, with comparable M&A-driven growth history.
• Premier Financial Corp: Defiance, OH-based regional bank holding company (NASDAQ: PFC) offering consumer, commercial, and wealth management services. Comparable scale, full-service community bank profile, and Midwest/Appalachian overlap.
• S&T Bancorp: Indiana, PA-based community bank holding company (NASDAQ: STBA) operating across PA, OH, NY, and WV. Comparable mid-cap regional bank offering consumer, commercial, and wealth services with similar M&A history.
• United Bankshares: WV-headquartered regional bank holding company (NASDAQ: UBSI) with branches across WV, VA, MD, OH, PA, NC, SC and DC. Closest geographic peer to City National Bank with overlapping WV footprint and similar community-bank operating model.
• Peoples Bancorp: Marietta, OH-based community bank holding company (NASDAQ: PEBO) serving OH, WV, KY, and PA. Directly comparable community-bank scale, business mix, and Appalachian/Midwestern footprint.

Regional players

• Enterprise Bancorp: Lowell, MA-based community bank (NASDAQ: EBTC) offering consumer, commercial, and wealth services. Comparable full-service community bank profile and scale, though operating in a different region (New England) from City.
• Trustco Bank Corp: Glenville, NY-based community bank (NASDAQ: TRST) primarily serving NY, NJ, FL, and MA. Similar full-service community bank model with consumer/commercial/wealth offerings, though geographically distinct from City.

Broad incumbents

• Huntington Bancshares: Large regional bank holding company (NASDAQ: HBAN) with significant presence in OH, MI, PA, WV, IN, IL, and KY. Overlaps with City in WV/KY and competes for the same commercial and consumer customers, but at materially greater scale and product breadth.
• F.N.B. Corporation: Pittsburgh, PA-based regional bank (NYSE: FNB) with branches across PA, OH, WV, MD, NC, SC, VA, and DC. Operates similar consumer/commercial/wealth model with overlapping WV/Panhandle geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bankatcity
• Facebookfacebook.com/bankatcity
• LinkedInlinkedin.com/company/city-national-bank_2

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A3 records

Investments

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

Frequently asked questions about City National Bank