City Nb of West Virginia Safety Rating
City Nb of West Virginia's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #302 out of 3,960 FDIC-insured banks nationally (top 8%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); City Nb of West Virginia's best component is Tier 1 capital (100/100) and its weakest is liquidity (85/100).
This page answers a common banking-safety question: City Nb of West Virginia Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
City Nb of West Virginia Safety Rating Breakdown
- Overall rating
- Grade A (95/100)
- National rank
- #302 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 95/100
- Liquidity (25%)
- 85/100
- Profitability (10%)
- 100/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places City Nb of West Virginia among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 8% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.17% | 100/100 |
| Nonperforming Loan Ratio | 0.23% | 95/100 |
| Liquidity Ratio | 26.30% | 85/100 |
| Return on Assets | 2.35% | 100/100 |
| Total Assets | $6.3B | |
How does City Nb of West Virginia compare?
With a Bank Health Score of 95/100, City Nb of West Virginia sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within West Virginia, where 43 FDIC-insured banks are headquartered, City Nb of West Virginia ranks above the state average of 64/100 (Grade C).
The bank's Tier 1 capital ratio of 15.17% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.23% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, City Nb of West Virginia's Bank Health Score improved by 37.0 points to 95/100. Tier 1 capital strengthened by 15.17 percentage points to 15.17%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
City Nb of West Virginia's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #302 out of 3,960 FDIC-insured banks nationally (top 8%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); City Nb of West Virginia's best component is Tier 1 capital (100/100) and its weakest is liquidity (85/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For City Nb of West Virginia: Tier 1 capital scores 100/100, loan quality 95/100, liquidity 85/100, and profitability 100/100 — combining to 95/100 (grade A).
City Nb of West Virginia's Bank Health Score of 95/100 is 31.0 points above the West Virginia state average of 64/100. 43 FDIC-insured banks are headquartered in West Virginia.
Yes. City Nb of West Virginia (FDIC certificate #17735) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about City Nb of West Virginia
City Nb of West Virginia's safety rating is grade A, a Bank Health Score of 95/100 built from FDIC call report data. That ranks #302 out of 3,960 FDIC-insured banks nationally (top 8%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); City Nb of West Virginia's best component is Tier 1 capital (100/100) and its weakest is liquidity (85/100).