Litchfield, MN · Cert 10976 · CNB Financial Corp.
National charter · OCC · 3 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #120 of 125 inst. · $0.0B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.80% | 0.91% | 1.05% | 1.09% | 1.15% | 1.04% | 1.11% | +6 bps | |
| Return on Equity | 8.75% | 9.59% | 10.47% | 11.75% | 11.93% | 12.24% | 10.21% | 10.99% | -76 bps | |
| Net Interest Margin | 3.13% | 3.13% | 3.34% | 3.58% | 3.70% | 3.76% | 3.74% | 3.72% | +13 bps | |
| Efficiency Ratio | 73.89% | 71.94% | 68.64% | 65.69% | 63.68% | 62.48% | 67.56% | 65.97% | +28 bps | |
| Non-Interest Burden | 2.21% | 2.15% | 2.20% | 2.24% | 2.23% | 2.22% | 2.40% | 2.33% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.07% | -4.90% | 3.83% | 1.15% | -3.37% | -2.89% | -5.44% | 1.47% | +32 bps | |
| Loan Growth (YoY) | 4.15% | -1.90% | 0.05% | 4.53% | 8.30% | 18.96% | 15.96% | 11.30% | +677 bps | |
| Deposit Growth (YoY) | -3.32% | -6.02% | 3.13% | -0.07% | -4.30% | -4.46% | -6.86% | 1.24% | +131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 0.96% | 0.95% | 0.95% | 0.90% | 0.96% | 0.96% | 1.00% | 0.99% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 426.3x | n/a | n/a | n/a | 223.4x | -202.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.17% | 10.02% | 10.30% | 10.71% | 10.93% | 10.96% | 11.13% | 11.05% | +35 bps | |
| Total Risk-Based Capital | 17.91% | 18.48% | 18.89% | 18.08% | 17.76% | 17.40% | 17.77% | 17.76% | -32 bps | |
| Equity / Assets | 8.82% | 8.57% | 8.79% | 9.47% | 9.88% | 10.22% | 10.17% | 9.80% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.91% | 61.65% | 60.52% | 66.73% | 71.19% | 76.76% | 75.35% | 73.36% | +663 bps | |
| Liquid Assets / Assets | 15.99% | 16.44% | 21.12% | 16.56% | 13.21% | 8.62% | 11.43% | 15.14% | -142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 223% | 236% | 225% | n/a | n/a | |