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CNB Bank, Inc.

Berkeley Springs, WV · Cert 14507 · CNB Financial Services Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

61

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

CNB Bank, Inc.

Berkeley Springs, WV · Cert 14507 · CNB Financial Services Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$805.7MAssets
$584.8MLoans
$652.5MDeposits
$68.7MEquity
Loan mix
91%RE $523.8M5%C&I $26.5M4%Consumer $24.4MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $488.3M25%Noninterest $164.1MQ2 2025Q2 2026

NIM

4.53%Q2 ’244.85%Q2 ’255.11%Q2 ’26+7%+8%

Non-interest income vs. expense

2.68%Q2 ’242.88%Q2 ’252.59%Q2 ’26+14%-12%

Market Position · Hagerstown-Martinsburg, MD-WV · 2026 SOD (annual) · 10.8% share · #3 of 17 inst. · $0.7B of $6.0B

71.9% Morgan
5.2% Washington
7.5% Berkeley

Executive Summary

  • Earnings: ROA of 1.05%, up 39 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.09% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.50%, up 163 bps from a year ago.
  • Funding: loans stand at 89.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+26 bps YoY

Efficiency Ratio (YTD, annualized)

64.16%-1,159 bps YoY

Tier 1 Leverage Ratio

9.50%+163 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.72%0.78%0.92%1.05%+39 bps
Return on Equity10.35%10.54%10.86%10.96%12.46%+210 bps
Net Interest Margin3.07%3.02%2.84%3.30%3.33%+26 bps
Efficiency Ratio75.74%73.36%70.73%67.38%64.16%-1,159 bps
Non-Interest Burden2.15%2.02%1.81%2.00%1.88%-27 bps
Growth
Asset Growth (YoY)7.75%22.05%23.11%23.82%19.59%+1,184 bps
Loan Growth (YoY)9.40%12.48%10.26%11.38%10.61%+121 bps
Deposit Growth (YoY)9.24%12.10%11.91%12.08%8.33%-91 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.07%0.03%0.04%0.09%+4 bps
Net Charge-Offs / Loans0.01%0.03%0.03%0.05%0.00%-2 bps
Allowance / Loans1.09%1.07%1.09%1.09%1.10%+2 bps
Allowance Coverage of NPLs22.2x16.1x33.4x25.4x12.8x-9.5x
Capital
Tier 1 Leverage Ratio7.87%10.12%9.33%9.40%9.50%+163 bps
Total Risk-Based Capital12.60%16.03%15.97%15.84%15.81%+322 bps
Equity / Assets6.30%8.17%8.41%8.34%8.53%+223 bps
Liquidity & Funding
Loans / Deposits87.78%86.30%87.08%87.96%89.63%+185 bps
Liquid Assets / Assets1.22%1.16%1.02%1.28%1.00%-21 bps
CRE / Total Capitaln/a254%253%265%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

CNB Bank, Inc.

Berkeley Springs, WV · Cert 14507 · Peer group: banks under $1B in assets (n=581-629) · CNB Financial Services Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$805.7MAssets
$584.8MLoans
$652.5MDeposits
$68.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks under $1B in assets (rank 141 of 581).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets (rank 519 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.04%

Rank 303 of 629

Net Interest Margin

3.33%

Rank 384 of 629

Efficiency Ratio

64.16%

Rank 249 of 629

Equity / Assets

8.53%

Rank 519 of 629

Non-interest income vs. expense

$5.7M$20.9MINCOMEEXPENSE
Unfavorable gap of $15.2M · efficiency ratio beats 61% of banks under $1B in assets
Bank 64.16%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.60%1.01%1.45%Beats 52%303 / 629
Return on Equity12.21%5.38%9.30%13.28%Beats 69%198 / 629
Net Interest Margin3.33%3.03%3.54%4.05%Beats 39%384 / 629
Efficiency Ratio64.16%58.35%67.79%79.08%Beats 61%249 / 629
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.46%1.20%Beats 76%141 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 35%379 / 581
Capital
Tier 1 Capital Ratio14.56%11.24%13.84%18.77%Beats 56%276 / 629
Total Risk-Based Capital Ratio15.81%11.58%14.43%19.66%Beats 60%254 / 629
Equity / Assets8.53%9.09%10.65%13.80%Beats 17%519 / 629
Liquidity & Funding
Loans / Deposits89.63%67.24%80.90%93.48%68th pctl190 / 594
Loans / Assets72.58%53.31%67.71%78.15%60th pctl254 / 629
Brokered Deposits / Depositsn/aNot reported for this institution