| Metric | CNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.6% | +5.5% | +11.2 pts |
| Deposit growth (YoY) | +16.4% | +5.1% | +11.3 pts |
| Loan growth (YoY) | +20.4% | +6.0% | +14.4 pts |
| ROA | 2.16% | 1.26% | +0.9 pts |
| ROE | 24.3% | 12.2% | +12.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $969.7M | $796.7M | $92.7M | $10.9M | 2.16% | 4.50% | 0.07% |
| Q1 2026 | $957.8M | $865.5M | $736.2M | $89.1M | $5.4M | 2.21% | 4.63% | 0.09% |
| Q4 2025 | $988.6M | $899.0M | $722.8M | $86.9M | $20.3M | 2.16% | 4.66% | 0.06% |
| Q3 2025 | $1.03B | $938.6M | $700.3M | $82.1M | $13.5M | 1.94% | 4.59% | 0.09% |
| Q2 2025 | $914.1M | $833.4M | $661.7M | $76.4M | $6.9M | 1.54% | 4.64% | 0.05% |
| Q1 2025 | $902.2M | $825.7M | $637.5M | $73.0M | $1.9M | 0.83% | 4.65% | 0.05% |
| Q4 2024 | $886.7M | $810.2M | $609.9M | $73.8M | $19.3M | 2.27% | 4.52% | 0.12% |
| Q3 2024 | $872.1M | $793.6M | $596.3M | $75.2M | $15.8M | 2.51% | 4.51% | 0.33% |
Loan mix (Q2 2026): real estate $542.3M · commercial $220.3M · consumer $48.3M · securities $154.4M
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 1.26% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 24.3% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 59.0% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend up 35% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).