CNB Bank
Clearfield, PA · Cert 13876 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · 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 68 of 174).
- Widest gap: nonperforming loans / loans trails 62% of banks $1B-$10B in assets operating regionally (rank 109 of 174).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.36%
Rank 68 of 174
Net Interest Margin
3.60%
Rank 82 of 174
Efficiency Ratio
57.47%
Rank 74 of 174
Equity / Assets
10.92%
Rank 70 of 174
Non-interest income vs. expense
Unfavorable gap of $156.0M · efficiency ratio beats 58% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.93% | 1.27% | 1.52% | Beats 61% | 68 / 174 | | |
| Return on Equity | 12.49% | 9.26% | 11.89% | 14.41% | Beats 55% | 78 / 174 | | |
| Net Interest Margin | 3.60% | 3.22% | 3.56% | 3.91% | Beats 53% | 82 / 174 | | |
| Efficiency Ratio | 57.47% | 51.59% | 59.21% | 67.02% | Beats 58% | 74 / 174 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.29% | 0.60% | 1.26% | Beats 38% | 109 / 174 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 57% | 76 / 174 | | |
| Capital |
| Tier 1 Capital Ratio | 13.21% | 11.19% | 12.73% | 14.11% | Beats 57% | 75 / 174 | | |
| Total Risk-Based Capital Ratio | 14.05% | 12.02% | 13.70% | 15.33% | Beats 55% | 78 / 174 | | |
| Equity / Assets | 10.92% | 9.15% | 10.31% | 11.72% | Beats 60% | 70 / 174 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.60% | 80.93% | 90.31% | 97.12% | 53rd pctl | 82 / 174 | | |
| Loans / Assets | 77.35% | 69.01% | 75.52% | 80.85% | 59th pctl | 72 / 174 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |