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FDIC Call Report Analysis

Which West Virginia Banks Are Actually Growing Their CRE Book — And Who To Call

32 institutions qualified in West Virginia: at least one branch in the state (FDIC SOD 2025) and a CRE book of $100m or more. Figures below are institution-level and unprorated — a bank lending in multiple states shows its full CRE book on every state page where it qualifies, not a state-prorated share.

Largest CRE Books, Headquartered in West Virginia

10 of 11 West Virginia-headquartered institutions.

#InstitutionCRE bookContact
1WesBanco Bank, Inc.
Wheeling · FDIC Cert #803
$7.73bnContact available
2City National Bank of West Virginia
Charleston · FDIC Cert #17735
$1.37bnNo contact yet
3MVB Bank, Inc
Fairmont · FDIC Cert #34603
$1.09bnContact available
4Potomac Bank
Charles Town · FDIC Cert #9023
$299mNo contact yet
5Clear Mountain Bank
Bruceton Mills · FDIC Cert #2443
$176mContact available
6Pendleton Community Bank, Inc.
Franklin · FDIC Cert #6176
$161mNo contact yet
7CNB Bank, Inc.
Berkeley Springs · FDIC Cert #14507
$149mContact available
8MCNB Bank and Trust Co.
Welch · FDIC Cert #6803
$143mNo contact yet
9Putnam County Bank
Hurricane · FDIC Cert #15243
$137mContact available
10Freedom Bank, Inc.
Belington · FDIC Cert #15664
$123mNo contact yet

Fastest Growing

Top 10 by organic growth. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.

#InstitutionOrganic growthContact
1The Ohio Valley Bank Company
Gallipolis · FDIC Cert #384
+22.8% +$73mContact available
2Community Trust Bank, Inc.
Pikeville · FDIC Cert #2720
+16.3% +$211mContact available
3MVB Bank, Inc
Fairmont · FDIC Cert #34603
+15.6% +$147mContact available
4Community Bank
Carmichaels · FDIC Cert #7848
+14.8% +$65mContact available
5First United Bank & Trust
Oakland · FDIC Cert #4857
+9.6% +$44mContact available
6Potomac Bank
Charles Town · FDIC Cert #9023
+5.2% +$15mNo contact yet
7City National Bank of West Virginia
Charleston · FDIC Cert #17735
+3.5% +$47mNo contact yet
8United Bank
Fairfax · FDIC Cert #22858
+2.3% +$264mContact available
9Woodforest National Bank
The Woodlands · FDIC Cert #23220
+1.0% +$20mContact available
10Burke & Herbert Bank & Trust Company
Alexandria · FDIC Cert #11578
+0.3% +$9mContact available

National and Regional Lenders with Branches Here

Top 20 by CRE book size.

#InstitutionCRE bookContact
1PNC Bank, National Association
Wilmington · FDIC Cert #6384
$36.76bnContact available
2Truist Bank
Charlotte · FDIC Cert #9846
$33.24bnContact available
3The Huntington National Bank
Columbus · FDIC Cert #6560
$24.60bnContact available
4Manufacturers and Traders Trust Company
Buffalo · FDIC Cert #588
$24.11bnContact available
5First-Citizens Bank & Trust Company
Raleigh · FDIC Cert #11063
$21.97bnContact available
6Fifth Third Bank, National Association
Cincinnati · FDIC Cert #6672
$21.58bnContact available
7United Bank
Fairfax · FDIC Cert #22858
$12.03bnContact available
8First National Bank of Pennsylvania
Greenville · FDIC Cert #7888
$8.71bnContact available
9WesBanco Bank, Inc.
Wheeling · FDIC Cert #803
$7.73bnContact available
10Burke & Herbert Bank & Trust Company
Alexandria · FDIC Cert #11578
$4.35bnContact available
11Woodforest National Bank
The Woodlands · FDIC Cert #23220
$2.08bnContact available
12Peoples Bank
Marietta · FDIC Cert #6544
$1.72bnNo contact yet
13Community Trust Bank, Inc.
Pikeville · FDIC Cert #2720
$1.51bnContact available
14City National Bank of West Virginia
Charleston · FDIC Cert #17735
$1.37bnNo contact yet
15MVB Bank, Inc
Fairmont · FDIC Cert #34603
$1.09bnContact available
16First Community Bank
Bluefield · FDIC Cert #13012
$777mContact available
17First Guaranty Bank
Hammond · FDIC Cert #14028
$706mContact available
18Community Bank
Carmichaels · FDIC Cert #7848
$507mContact available
19First United Bank & Trust
Oakland · FDIC Cert #4857
$505mContact available
20The Ohio Valley Bank Company
Gallipolis · FDIC Cert #384
$391mContact available

National institutions

These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: JPMorgan Chase Bank, National Association (FDIC Cert #628).


Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.

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