This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Charleston, WV
Health score
87.8
Total assets
$6.8B
Bank
Pikeville, KY
Health score
91.9
Total assets
$6.9B
Answer first
City National Bank of West Virginia leads on profitability and lending quality; Community Trust Bank, Inc. leads on financial health and capitalization and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Community Trust Bank, Inc.
Higher TFS health score
Capitalization
Community Trust Bank, Inc.
Higher comparable capital ratio
Profitability
City National Bank of West Virginia
Higher return on assets
Lending quality
City National Bank of West Virginia
Lower problem-loan measure
Growth
Community Trust Bank, Inc.
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | City National Bank of West Virginia | Community Trust Bank, Inc. |
|---|---|---|
| TFS health score | 87.8/100 | 91.9/100Leads |
| Total assets | $6.8B | $6.9B |
| Total deposits / shares | $5.4B | $5.7B |
| Tier 1 capital ratio | 9.65% | 13.43%Leads |
| Return on assets | 1.96%Leads | 1.64% |
| Return on equity | 19.17%Leads |
City National Bank of West Virginia
98 branches
Community Trust Bank, Inc.
81 branches
Both institutions report branches in 2 states: KY, WV.
City National Bank of West Virginia
Unavailable
Community Trust Bank, Inc.
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
City National Bank of West Virginia
0 in TFS registry
Community Trust Bank, Inc.
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | City National Bank of West Virginia score | City National Bank of West Virginia ROA | Community Trust Bank, Inc. score | Community Trust Bank, Inc. ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.88% | — | 1.35% |
| 2024-Q4 | — | 1.86% | — | 1.38% |
| 2025-Q1 | — | 1.88% | — | 1.39% |
| 2025-Q2 | — | 1.98% | — | 1.47% |
| 2025-Q3 | — | 2.03% | — | 1.46% |
| 2025-Q4 | — | 2.01% | — | 1.50% |
| 2026-Q1 | 85.7/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 12.47% |
| Non-performing loans | 0.22%Leads | 0.58% |
| Net charge-offs | 0.05%Leads | 0.09% |
| Efficiency ratio | 47.54% | 46.66%Leads |
| Loan-to-deposit ratio | 82.67% | 89.35% |
| Asset growth (YoY) | 2.68% | 9.40%Leads |
| Deposit / share growth (YoY) | 2.10% | 8.15%Leads |
| Branches | 98 | 81 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.92% |
| 92.2/100 |
| 1.59% |
| 2026-Q2 | 87.8/100 | 1.96% | 91.9/100 | 1.64% |