CNB Bank
Clearfield, PA · Cert 13876 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · CNB Financial Corp.
State charter, Fed member · FED · 81 branches
Q2 2026
$8.4BAssets
$6.5BLoans
$7.2BDeposits
$918.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 61% of banks $1B-$10B in assets operating regionally (rank 69 of 176).
- Widest gap: nonperforming loans / loans trails 60% of banks $1B-$10B in assets operating regionally (rank 107 of 176).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.36%
Rank 69 of 176
Net Interest Margin
3.60%
Rank 87 of 176
Efficiency Ratio
57.47%
Rank 71 of 176
Equity / Assets
10.92%
Rank 72 of 176
Non-interest income vs. expense
Unfavorable gap of $156.0M · efficiency ratio beats 60% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.93% | 1.26% | 1.54% | Beats 61% | 69 / 176 | |
| Return on Equity | 12.49% | 9.26% | 11.89% | 14.46% | Beats 55% | 79 / 176 | |
| Net Interest Margin | 3.60% | 3.25% | 3.59% | 3.93% | Beats 51% | 87 / 176 | |
| Efficiency Ratio | 57.47% | 52.79% | 59.55% | 67.66% | Beats 60% | 71 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.30% | 0.64% | 1.32% | Beats 40% | 107 / 176 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 58% | 75 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 13.21% | 11.15% | 12.72% | 14.15% | Beats 60% | 71 / 176 | |
| Total Risk-Based Capital Ratio | 14.05% | 11.81% | 13.63% | 15.33% | Beats 57% | 75 / 176 | |
| Equity / Assets | 10.92% | 9.16% | 10.35% | 11.80% | Beats 59% | 72 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 90.60% | 80.94% | 89.73% | 97.21% | 53rd pctl | 82 / 176 | |
| Loans / Assets | 77.35% | 69.25% | 75.12% | 80.82% | 59th pctl | 72 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |