| Metric | CNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +33.6% | +5.5% | +28.2 pts |
| Deposit growth (YoY) | +28.9% | +5.1% | +23.9 pts |
| Loan growth (YoY) | +37.7% | +5.9% | +31.8 pts |
| ROA | 1.36% | 1.26% | +0.1 pts |
| ROE | 12.3% | 12.2% | +0.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.41B | $7.18B | $6.44B | $918.9M | $57.4M | 1.36% | 3.89% | 0.69% |
| Q1 2026 | $8.50B | $7.26B | $6.36B | $940.3M | $27.9M | 1.32% | 3.81% | 0.57% |
| Q4 2025 | $8.37B | $7.13B | $6.42B | $932.9M | $73.4M | 1.04% | 3.74% | 0.50% |
| Q3 2025 | $8.23B | $7.02B | $6.39B | $906.9M | $38.2M | 0.76% | 3.61% | 0.48% |
| Q2 2025 | $6.30B | $5.57B | $4.68B | $612.3M | $28.3M | 0.91% | 3.50% | 0.47% |
| Q1 2025 | $6.27B | $5.56B | $4.56B | $600.9M | $13.3M | 0.86% | 3.37% | 0.88% |
| Q4 2024 | $6.17B | $5.47B | $4.55B | $585.7M | $56.9M | 0.96% | 3.43% | 0.95% |
| Q3 2024 | $5.99B | $5.32B | $4.54B | $582.0M | $41.4M | 0.95% | 3.42% | 0.69% |
Loan mix (Q2 2026): real estate $5.27B · commercial $886.7M · consumer $124.4M · securities $903.9M
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.2% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 59.0% | 41th |
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 |
|---|---|---|---|---|
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% |
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