Clearfield, PA · Cert 13876 · CNB Financial Corp.
State charter, Fed member · FED · 81 branches
Q2 2026
Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 1.5% share · #8 of 20 inst. · $1.0B of $67.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.55% | 1.70% | 1.32% | 1.39% | +44 bps | |
| Return on Equity | 9.86% | 5.24% | 15.31% | 11.92% | 12.69% | +282 bps | |
| Net Interest Margin | 3.38% | 3.30% | 3.67% | 3.58% | 3.67% | +29 bps | |
| Efficiency Ratio | 64.15% | 60.31% | 67.39% | 56.90% | 55.70% | -845 bps | |
| Non-Interest Burden | 1.96% | 1.82% | 2.31% | 1.85% | 1.85% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.37% | 37.35% | 35.72% | 35.43% | 33.62% | +2,624 bps | |
| Loan Growth (YoY) | 5.69% | 40.94% | 41.04% | 39.67% | 37.78% | +3,209 bps | |
| Deposit Growth (YoY) | 6.87% | 31.92% | 30.28% | 30.52% | 28.94% | +2,207 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.55% | 0.61% | 0.71% | 0.84% | +24 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.04% | 0.07% | 0.03% | 0.07% | -17 bps | |
| Allowance / Loans | 0.98% | 1.01% | 1.00% | 1.01% | 1.00% | +3 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.7x | 1.4x | 1.2x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.85% | 9.98% | 10.50% | 10.53% | 10.17% | +32 bps | |
| Total Risk-Based Capital | 13.63% | 13.45% | 14.22% | 14.50% | 14.05% | +42 bps | |
| Equity / Assets | 9.72% | 11.02% | 11.14% | 11.07% | 10.92% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.79% | 92.01% | 90.95% | 88.50% | 90.60% | +581 bps | |
| Liquid Assets / Assets | 9.58% | 7.32% | 8.18% | 8.76% | 6.76% | -282 bps | |
| CRE / Total Capital | n/a | 393% | 370% | 357% | n/a | n/a | |