CNB Bank Corporate Profile | Financial Highlights & Company Overview
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Corporate Profile & Financial Highlights

CNB Financial Services, Inc. was organized under the laws of West Virginia in March 2000 at the direction of the Board of Directors of CNB Bank, Inc. (CNB) for the purpose of becoming a financial services holding company.

CNB Financial Services primary function is to direct, plan and coordinate the business activities for CNB and its subsidiary. CNB is a full-service commercial bank conducting general banking and trust activities through eight full-service offices and eight automated teller machines located in Morgan and Berkeley Counties, West Virginia and Washington County, Maryland.


Financial Reports

You may obtain copies of our latest financial reports by contacting Shareholder Relations at 1-888-258-1520, or by downloading the PDF Annual Report below and viewing it online.

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Financial Highlights:

Selected Financial Data Current EOP 6/30/2025 Previous EOP 6/30/2024  Previous EOY 12/31/2024
Total assets $672,578 $625,261 $638,702
Securities available for sale $113,538 $95,206 $95,597
Loans and lease, net of unearned income $526,956 $484,820 $502,610
Deposits $601,995 $551,056 $570,379
Shareholders' equity $42,758 $38,818 $40,471
Significant Ratios 6/30/2025 6/30/2024 12/31/2024
Net interest margin 3.06% 3.06% 2.91%
Return on average assets 0.65% 0.74% 0.66%
Return on average shareholders' equity 10.12% 11.98% 10.50%
Summary of Operations QTD CY 6/30/2025 QTD PY 6/30/2024 YTD CY 6/30/2025 YTD PY 6/30/2024
Interest income $8,314 $7,317 $16,091 $14,282
Interest expense $2,939 $2,750 $5,899 $5,270
Net interest income $5,375 $4,567 $10,192 $9,012
Provision for loan losses $153 $88 $306 $128
Net interest income after provision for loan losses $5,222 $4,479 $9,886 $8,884
Non-interest income $1,251 $1,376 $2,414 $2,515
Non-interest expense $4,840 $4,235 $9,588 $8,884
Income before income taxes $1,633 $1,619 $2,712 $2,928
Income tax expense $367 $401 $596 $661
Net income $1,266 $1,218 $2,116 $2,267
Basic earnings per common share $3.24 $3.12 $5.41 $5.80
Basic earnings per class
A common share
$3.56 $3.43 $5.95 $6.38

Period ended
(in thousands except per share data)

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