Hillsdale, MI · Cert 14073 · CNB Community Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
19
Profitability
47
Liquidity
5
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hillsdale, MI · Cert 14073 · CNB Community Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Market Position · Jackson, MI · 2026 SOD (annual) · 16.8% share · #3 of 12 inst. · $0.4B of $2.4B
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 | 1.00% | 0.96% | 0.88% | 0.94% | 0.97% | 0.98% | 0.98% | 1.00% | +6 bps | |
| Return on Equity | 12.34% | 11.73% | 10.52% | 11.10% | 11.25% | 11.25% | 10.53% | 10.83% | -27 bps | |
| Net Interest Margin | 3.57% | 3.60% | 3.56% | 3.66% | 3.65% | 3.69% | 3.79% | 3.83% | +17 bps | |
| Efficiency Ratio | 68.76% | 70.04% | 72.55% | 71.59% | 70.99% | 68.11% | 70.49% | 69.27% | -231 bps | |
| Non-Interest Burden | 2.24% | 2.32% | 2.40% | 2.42% | 2.39% | 2.30% | 2.48% | 2.44% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.31% | 2.55% | 3.73% | 2.60% | 4.76% | 3.08% | 2.79% | 6.98% | +438 bps | |
| Loan Growth (YoY) | 12.29% | 8.19% | 6.55% | 4.54% | 2.87% | 4.66% | 4.64% | 6.42% | +187 bps | |
| Deposit Growth (YoY) | -4.67% | 2.24% | 3.45% | 5.39% | 6.95% | 1.83% | 0.44% | 0.15% | -524 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.65% | 0.65% | 0.66% | 1.74% | 1.51% | 1.50% | 2.62% | +196 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.05% | 0.00% | 0.15% | 0.15% | 0.33% | -0.01% | 0.08% | -6 bps | |
| Allowance / Loans | 1.30% | 1.26% | 1.27% | 1.21% | 1.17% | 1.10% | 1.12% | 1.11% | -10 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.9x | 2.0x | 1.8x | 0.7x | 0.7x | 0.7x | 0.4x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.47% | 8.55% | 8.40% | 8.65% | 8.95% | 9.19% | 9.19% | 9.34% | +69 bps | |
| Total Risk-Based Capital | 11.51% | 11.63% | 11.76% | 11.83% | 12.14% | 12.21% | 12.35% | 12.16% | +33 bps | |
| Equity / Assets | 8.39% | 8.30% | 8.38% | 8.69% | 8.93% | 9.26% | 9.26% | 9.22% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.38% | 95.27% | 93.56% | 96.99% | 96.55% | 97.92% | 97.47% | 103.06% | +607 bps | |
| Liquid Assets / Assets | 5.97% | 8.49% | 8.95% | 5.77% | 5.02% | 3.35% | 4.08% | 3.16% | -261 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 378% | 368% | 351% | n/a | n/a | |
Hillsdale, MI · Cert 14073 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · CNB Community Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Return on Assets
0.98%
Rank 181 of 258
Net Interest Margin
3.83%
Rank 69 of 258
Efficiency Ratio
69.27%
Rank 190 of 257
Equity / Assets
9.22%
Rank 184 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.98% | 0.93% | 1.23% | 1.54% | Beats 30% | 181 / 258 | ||
| Return on Equity | 10.65% | 9.26% | 11.84% | 14.74% | Beats 39% | 157 / 258 | ||
| Net Interest Margin | 3.83% | 3.16% | 3.49% | 3.88% | Beats 73% | 69 / 258 | ||
| Efficiency Ratio | 69.27% | 51.71% | 60.30% | 69.65% | Beats 26% | 190 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.62% | 0.19% | 0.46% | 0.90% | Beats 5% | 245 / 258 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 33% | 173 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.01% | 11.41% | 12.98% | 15.12% | Beats 22% | 202 / 258 | ||
| Total Risk-Based Capital Ratio | 12.16% | 12.10% | 13.91% | 16.08% | Beats 26% | 190 / 258 | ||
| Equity / Assets | 9.22% | 9.09% | 10.24% | 11.72% | Beats 29% | 184 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.06% | 73.24% | 86.34% | 95.95% | 87th pctl | 33 / 258 | ||
| Loans / Assets | 83.50% | 63.01% | 72.27% | 78.40% | 91st pctl | 23 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||