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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 0.83% | 0.88% | 0.99% | 1.03% | 1.02% | 0.98% | 1.03% | +3 bps | |
| Return on Equity | 13.64% | 9.92% | 10.52% | 11.66% | 11.67% | 11.25% | 10.53% | 11.13% | -53 bps | |
| Net Interest Margin | 3.77% | 3.70% | 3.56% | 3.72% | 3.82% | 3.92% | 3.79% | 3.88% | +16 bps | |
| Efficiency Ratio | 65.70% | 73.74% | 72.55% | 70.66% | 69.87% | 60.03% | 70.49% | 68.12% | -254 bps | |
| Non-Interest Burden | 2.24% | 2.55% | 2.40% | 2.41% | 2.46% | 2.08% | 2.48% | 2.40% | -1 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 | -0.01% | 0.25% | 0.00% | 0.29% | 0.15% | 0.87% | -0.01% | 0.18% | -11 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 | |