These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in West Virginia. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in West Virginia, Largest Multifamily Books First
25 of 30 qualifying banks are headquartered in West Virginia. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in WV | Contact |
|---|---|---|---|---|---|
| 1 | WesBanco Bank | $1.74bn | 22.5% | 34 | Contact available |
| 2 | City National Bank of West Virginia (Charleston, WV) | $233m | 17.0% | 58 | Contact available |
| 3 | MVB Bank | $72m | 6.6% | 6 | Contact available |
| 4 | Potomac Bank (Charles Town, WV) | $39m | 13.0% | 5 | — |
| 5 | Clear Mountain Bank | $35m | 20.2% | 10 | Contact available |
| 6 | West Union Bank | $34m | 56.5% | 5 | Contact available |
| 7 | Pendleton Community Bank | $28m | 17.2% | 10 | — |
| 8 | Huntington Federal Savings Bank | $26m | 59.7% | 5 | Contact available |
| 9 | Putnam County Bank | $25m | 18.6% | 5 | Contact available |
| 10 | MCNB Bank & Trust | $25m | 17.3% | 6 | — |
| 11 | Jefferson Security Bank | $25m | 22.1% | 5 | Contact available |
| 12 | First Exchange Bank | $24m | 44.8% | 7 | Contact available |
| 13 | Freedom Bank, Inc. | $17m | 13.7% | 9 | — |
| 14 | CNB Bank (Berkeley Springs, WV) | $13m | 9.1% | 5 | Contact available |
| 15 | The Citizens Bank of Weston | $13m | 22.5% | 2 | Contact available |
| 16 | Mountain Valley Bank, N.A. | $13m | 45.3% | 4 | Contact available |
| 17 | The Poca Valley Bank, Inc. | $11m | 13.1% | 9 | Contact available |
| 18 | Highlands Bank | $9m | 15.6% | 7 | Contact available |
| 19 | Community Bank of Parkersburg | $9m | 18.9% | 4 | Contact available |
| 20 | Williamstown Bank, Inc. | $9m | 34.4% | 4 | Contact available |
| 21 | Citizens Bank of West Virginia, Inc. | $6m | 8.8% | 8 | Contact available |
| 22 | Pioneer Community Bank, Inc. | $6m | 27.3% | 6 | Contact available |
| 23 | Guaranty Bank (West Virginia) | $6m | 10.6% | 5 | Contact available |
| 24 | The Bank of Romney | $5m | 6.7% | 7 | Contact available |
| 25 | The First National Bank of Williamson | $3m | 12.8% | 2 | Contact available |
National Lenders With Branches in West Virginia
24 of 24 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in WV | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 17 | Contact available |
| 2 | PNC Real Estate | $14.98bn | 40.8% | 1 | Contact available |
| 3 | Truist | $8.65bn | 26.0% | 42 | Contact available |
| 4 | M&T Bank | $7.12bn | 29.5% | 2 | Contact available |
| 5 | Huntington National Bank | $4.88bn | 19.9% | 26 | Contact available |
| 6 | Fifth Third Bank | $4.14bn | 19.2% | 5 | Contact available |
| 7 | First Citizens Bank | $2.97bn | 13.5% | 4 | Contact available |
| 8 | United Bank (Fairfax, VA) | $2.44bn | 20.3% | 48 | Contact available |
| 9 | First National Bank of Pennsylvania | $885m | 10.2% | 2 | Contact available |
| 10 | Burke & Herbert Bank & Trust Company | $785m | 18.0% | 32 | Contact available |
| 11 | Peoples Bank | $470m | 27.3% | 26 | Contact available |
| 12 | Community Trust Bank, Inc. | $233m | 15.5% | 6 | Contact available |
| 13 | First Community Bank (Bluefield, VA) | $191m | 24.5% | 28 | Contact available |
| 14 | Woodforest National Bank | $115m | 5.5% | 9 | Contact available |
| 15 | Community Bank (Carmichaels, PA) | $103m | 20.4% | 3 | Contact available |
| 16 | Ohio Valley Bank | $98m | 25.1% | 5 | Contact available |
| 17 | First Guaranty Bank | $86m | 12.2% | 1 | Contact available |
| 18 | New Peoples Bank, Inc. | $51m | 22.2% | 2 | — |
| 19 | First United Bank & Trust | $49m | 9.7% | 8 | Contact available |
| 20 | Unified Bank | $44m | 29.3% | 2 | Contact available |
| 21 | Main Street Bank Corp. | $41m | 17.2% | 4 | Contact available |
| 22 | First Sentinel Bank | $10m | 59.8% | 1 | Contact available |
| 23 | The Farmers Bank and Savings Company | $8m | 20.5% | 3 | Contact available |
| 24 | First Mutual Bank, FSB | $2m | 34.8% | 2 | — |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 54 banks qualified in West Virginia. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 47 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in West Virginia. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in West Virginia from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in West Virginia from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.