| Metric | CNB Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.6% | +4.9% | +14.7 pts |
| Deposit growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| Loan growth (YoY) | +10.6% | +5.3% | +5.2 pts |
| ROA | 1.05% | 1.28% | -0.2 pts |
| ROE | 12.5% | 12.4% | +0.0 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $805.7M | $652.5M | $578.3M | $68.7M | $4.2M | 1.05% | 3.51% | 0.06% |
| Q1 2026 | $805.2M | $655.3M | $570.1M | $67.2M | $1.8M | 0.92% | 3.43% | 0.03% |
| Q4 2025 | $786.3M | $638.7M | $550.1M | $66.1M | $5.5M | 0.78% | 3.30% | 0.02% |
| Q3 2025 | $781.9M | $636.1M | $543.1M | $63.9M | $3.7M | 0.72% | 3.25% | 0.05% |
| Q2 2025 | $673.7M | $602.3M | $522.9M | $42.5M | $2.2M | 0.66% | 3.26% | 0.04% |
| Q1 2025 | $650.3M | $584.6M | $511.8M | $42.0M | $867K | 0.54% | 3.13% | 0.06% |
| Q4 2024 | $638.7M | $570.7M | $498.9M | $40.2M | $4.2M | 0.67% | 3.00% | 0.06% |
| Q3 2024 | $640.7M | $567.5M | $482.6M | $42.0M | $3.4M | 0.72% | 3.03% | 0.13% |
Loan mix (Q2 2026): real estate $534.3M · commercial $25.9M · consumer $22.8M · securities $182.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CNB Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.28% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 12.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 61.2% | 59th |
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, Inc. | 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, Inc. | 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, Inc. | 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, Inc. | 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.