Question 1

What is CNB Bank (West Virginia)?

Accepted Answer

CNB Bank (West Virginia) is a community-focused financial institution serving the eastern panhandle of West Virginia and western Maryland. With approximately $782 million in total assets and 9 branch locations, the bank specializes in relationship-based banking for individuals, families, and local businesses.

CNB Bank emphasizes local decision-making and customized financial solutions, distinguishing itself from larger regional and national banks. The bank serves a diverse customer base including rural communities and commuters who travel up to 70 miles to major metropolitan areas in the Hagerstown-Martinsburg region.

Question 2

When was CNB Bank (West Virginia) founded?

Accepted Answer

CNB Bank was established in 1934 in Berkeley Springs, West Virginia, during the Great Depression. The bank was originally founded to provide reliable, community-focused banking services during a time of economic uncertainty.

Since its founding over 90 years ago, the institution has continuously evolved to meet the changing needs of its customers while maintaining its commitment to local ownership and community service. The bank has expanded from its original Berkeley Springs location to serve multiple communities throughout the region.

Question 3

Where is CNB Bank (West Virginia) headquartered?

Accepted Answer

CNB Bank (West Virginia) is headquartered in Berkeley Springs, West Virginia. The main office is located at 101 South Washington Street in Berkeley Springs, which has served as a cornerstone of the community for nearly a century.

Berkeley Springs is situated in Morgan County in the eastern panhandle of West Virginia, providing convenient access to both West Virginia and Maryland markets.

Question 4

Where does CNB Bank (West Virginia) operate?

Accepted Answer

CNB Bank operates throughout the eastern panhandle of West Virginia and western Maryland with 9 branch locations. The bank's footprint includes:

West Virginia locations: Berkeley Springs (2 locations including the main branch), Martinsburg (2 locations), and Falling Waters.

Maryland locations: Hancock, and Hagerstown (3 locations).

The bank serves the Hagerstown-Martinsburg metropolitan statistical area, providing services to both local communities and commuters traveling to major metropolitan centers. The bank continues to expand, with new state-of-the-art facilities planned or recently opened in the Hagerstown market.

Question 5

What services does CNB Bank (West Virginia) offer?

Accepted Answer

CNB Bank provides comprehensive personal and business banking services, including:

Personal Banking: Checking accounts, savings accounts, money market accounts, certificates of deposit, consumer loans, home mortgages, and personal lines of credit.

Business Banking: Commercial lending, business checking and savings accounts, cash management services, and commercial real estate financing.

Digital Banking: Mobile banking apps for both personal and business customers (available on iPhone and Android), online banking with bill pay, Interactive Teller Machines (ITMs) at branch locations, and mobile deposit capabilities.

Additional Services: ATM network, telephone banking (Telebanc), and debit card management through CNB CardHub powered by Fiserv.

The bank completed a significant technology upgrade in September 2023, affecting every customer and employee touchpoint, making it one of the most modern community banks in the region.

Question 6

What makes CNB Bank (West Virginia) unique?

Accepted Answer

CNB Bank distinguishes itself through several key features:

Relationship-Driven Model: The bank employs over 100 experienced professionals, many of them local residents, who focus on providing advice and solutions rather than selling products. This approach creates lasting partnerships based on personal relationships and community knowledge.

Advanced Technology: Despite being a hometown community bank, CNB Bank invested in exceptionally modern banking systems. The September 2023 technology overhaul positioned the bank at the forefront of digital banking capabilities while maintaining personalized service.

Community Commitment: The bank actively contributes to local schools, fire and rescue companies, chambers of commerce, United Way, and other nonprofit organizations. Team members sponsor youth sports teams, serve on local nonprofit boards, and participate in community events.

Local Decision-Making: All banking decisions are made locally, not at a distant corporate office, allowing for faster responses and solutions tailored to the specific needs of the community.

Question 7

What type of financial institution is CNB Bank (West Virginia)?

Accepted Answer

CNB Bank (West Virginia) is a State-Chartered Community Bank operating under FDIC Certificate Number 14507. The bank represents one of the few remaining independent community banks in the eastern panhandle of West Virginia and western Maryland.

As a community bank, CNB Bank focuses on serving local markets with personalized financial services, maintaining strong relationships with customers, and supporting community development. The institution operates with strong local ownership and emphasizes familiarity with and understanding of customer needs that larger national and regional banks typically cannot match.

Under the leadership of President and CEO Mark Harrell, the bank maintains core values of teamwork, respect, integrity, stewardship, and quality while continuing to innovate and expand its services.

Question 8

How does CNB Bank (West Virginia) support financial education?

Accepted Answer

CNB Bank demonstrates commitment to financial education and community development through multiple initiatives. The bank offers financial calculators on its website to help customers with retirement planning, loan decisions, and family protection needs.

Additionally, the bank sponsors an annual scholarship essay contest specifically for students planning to pursue degrees in the arts. This program reflects the bank's dedication to supporting the next generation and investing in the educational opportunities of local youth.

Question 9

What recognition has CNB Bank (West Virginia) received?

Accepted Answer

CNB Bank and its leadership have received notable recognition within the banking industry. In 2025, President and CEO Mark Harrell was awarded the prestigious Baronner Award by the Community Bankers of West Virginia (CBWV), recognizing outstanding leadership and contribution to community banking.

The bank was also featured in Forbes magazine in 2024, highlighting its 90-year anniversary and its success as a community bank with modern capabilities. Team members have earned professional certifications including the ICBA Certified Community Bank Marketing Strategist (CCBMS) designation and completion of Commercial Lending Specialist Certificate programs through BankersHub.

CNB Bank (West Virginia)

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