City National Bank Of West Virginia vs Freedom Bank, Inc.
Comparing a Bank in Charleston, WV with a Bank in Belington, WV using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| City National Bank Of West Virginia ↗ Bank · Charleston, WV · Est. 1957 | Freedom Bank, Inc. ↗ Bank · Belington, WV · Est. 1939 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Charleston, WV | Belington, WV |
| Total assets | $6.7B | $420.3M |
| Capital ratio | 10.2% | 10.7% |
| Return on assets | 1.9% | 1.3% |
| Deposits | $5.4B | $371.9M |
| Branches | 98 | 10 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 41 | #3 of 41 |
| Established | 1957 | 1939 |
City National Bank Of West Virginia
- Assets: $6.7B
- Deposits: $5.4B
- Capital ratio: 10.2%
- Return on assets: 1.9%
- CFPB complaints: 0
- State rank: #4 of 41
Freedom Bank, Inc.
- Assets: $420.3M
- Deposits: $371.9M
- Capital ratio: 10.7%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #3 of 41
Are both institutions federally insured?
Yes. City National Bank Of West Virginia is FDIC-insured and Freedom Bank, Inc. is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, City National Bank Of West Virginia or Freedom Bank, Inc.?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — City National Bank Of West Virginia scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is City National Bank Of West Virginia safe?
Yes — City National Bank Of West Virginia is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Freedom Bank, Inc. safe?
Yes — Freedom Bank, Inc. is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of City National Bank Of West Virginia vs Freedom Bank, Inc.?
City National Bank Of West Virginia has a capital ratio of 10.2%, placing it in the bottom 48% of $1B–10B peers. Freedom Bank, Inc.'s ratio is 10.7%, placing it in the top 41% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does City National Bank Of West Virginia have compared to Freedom Bank, Inc.?
The CFPB database shows 0 complaints against City National Bank Of West Virginia, and 0 complaints against Freedom Bank, Inc.. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare City National Bank Of West Virginia with other Banks in West Virginia
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
