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Letter portraitLegal landscapeQuarterYTD

County National Bank

Hillsdale, MI · Cert 14073 · CNB Community Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.1BDeposits
$125.8MEquity
Loan mix
75%RE $810.2M22%C&I $240.2M3%Consumer $35.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $893.7M19%Noninterest $211.9MQ2 2025Q2 2026

NIM

5.29%Q2 ’245.45%Q2 ’255.46%Q2 ’26+5%+5%

Non-interest income vs. expense

2.91%Q2 ’243.10%Q2 ’253.13%Q2 ’26+7%+1%

Market Position · Jackson, MI · 2026 SOD (annual) · 16.8% share · #3 of 12 inst. · $0.4B of $2.4B

56.9% Hillsdale
16.8% Jackson
14.6% Lenawee
3.5% Calhoun

Executive Summary

  • Earnings: ROA of 1.00%, up 6 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 2.62% of loans (+196 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.34%, up 69 bps from a year ago.
  • Funding: loans stand at 103.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+17 bps YoY

Efficiency Ratio (YTD, annualized)

69.27%-231 bps YoY

Tier 1 Leverage Ratio

9.34%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.97%0.98%0.98%1.00%+6 bps
Return on Equity11.10%11.25%11.25%10.53%10.83%-27 bps
Net Interest Margin3.66%3.65%3.69%3.79%3.83%+17 bps
Efficiency Ratio71.59%70.99%68.11%70.49%69.27%-231 bps
Non-Interest Burden2.42%2.39%2.30%2.48%2.44%+2 bps
Growth
Asset Growth (YoY)2.60%4.76%3.08%2.79%6.98%+438 bps
Loan Growth (YoY)4.54%2.87%4.66%4.64%6.42%+187 bps
Deposit Growth (YoY)5.39%6.95%1.83%0.44%0.15%-524 bps
Asset Quality
Nonperforming Loans / Loans0.66%1.74%1.51%1.50%2.62%+196 bps
Net Charge-Offs / Loans0.15%0.15%0.33%-0.01%0.08%-6 bps
Allowance / Loans1.21%1.17%1.10%1.12%1.11%-10 bps
Allowance Coverage of NPLs1.8x0.7x0.7x0.7x0.4x-1.4x
Capital
Tier 1 Leverage Ratio8.65%8.95%9.19%9.19%9.34%+69 bps
Total Risk-Based Capital11.83%12.14%12.21%12.35%12.16%+33 bps
Equity / Assets8.69%8.93%9.26%9.26%9.22%+54 bps
Liquidity & Funding
Loans / Deposits96.99%96.55%97.92%97.47%103.06%+607 bps
Liquid Assets / Assets5.77%5.02%3.35%4.08%3.16%-261 bps
CRE / Total Capitaln/a378%368%351%n/an/a