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 (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 | 0.95% | 0.96% | 0.86% | 0.91% | 0.76% | 1.04% | 1.32% | 1.36% | +46 bps | |
| Return on Equity | 9.81% | 10.04% | 8.99% | 9.43% | 7.54% | 10.09% | 11.92% | 12.34% | +290 bps | |
| Net Interest Margin | 3.14% | 3.10% | 3.13% | 3.25% | 2.75% | 2.98% | 3.58% | 3.60% | +34 bps | |
| Efficiency Ratio | 66.38% | 65.56% | 68.73% | 66.36% | 63.98% | 65.02% | 56.90% | 56.29% | -1,008 bps | |
| Non-Interest Burden | 1.87% | 1.81% | 1.97% | 1.96% | 1.59% | 1.78% | 1.85% | 1.84% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.95% | 7.64% | 8.53% | 7.37% | 37.35% | 35.72% | 35.43% | 33.62% | +2,624 bps | |
| Loan Growth (YoY) | 2.22% | 3.14% | 4.03% | 5.69% | 40.94% | 41.04% | 39.67% | 37.78% | +3,209 bps | |
| Deposit Growth (YoY) | 4.23% | 7.32% | 8.24% | 6.87% | 31.92% | 30.28% | 30.52% | 28.94% | +2,207 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 1.23% | 1.17% | 0.60% | 0.55% | 0.61% | 0.71% | 0.84% | +24 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.13% | 0.08% | 0.16% | 0.09% | 0.08% | 0.03% | 0.05% | -11 bps | |
| Allowance / Loans | 0.97% | 0.98% | 0.98% | 0.98% | 1.01% | 1.00% | 1.01% | 1.00% | +3 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.8x | 0.8x | 1.6x | 1.8x | 1.7x | 1.4x | 1.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.97% | 9.84% | 9.74% | 9.85% | 9.98% | 10.50% | 10.53% | 10.17% | +32 bps | |
| Total Risk-Based Capital | 13.48% | 13.59% | 13.75% | 13.63% | 13.45% | 14.22% | 14.50% | 14.05% | +42 bps | |
| Equity / Assets | 9.71% | 9.49% | 9.58% | 9.72% | 11.02% | 11.14% | 11.07% | 10.92% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.12% | 84.01% | 82.70% | 84.79% | 92.01% | 90.95% | 88.50% | 90.60% | +581 bps | |
| Liquid Assets / Assets | 10.20% | 11.06% | 11.65% | 9.58% | 7.32% | 8.18% | 8.76% | 6.76% | -282 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 393% | 370% | 357% | n/a | n/a | |