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
Unfavorable gap of $15.2M · efficiency ratio beats 61% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.60% | 1.01% | 1.45% | Beats 52% | 303 / 629 | | |
| Return on Equity | 12.21% | 5.38% | 9.30% | 13.28% | Beats 69% | 198 / 629 | | |
| Net Interest Margin | 3.33% | 3.03% | 3.54% | 4.05% | Beats 39% | 384 / 629 | | |
| Efficiency Ratio | 64.16% | 58.35% | 67.79% | 79.08% | Beats 61% | 249 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 76% | 141 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 379 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.56% | 11.24% | 13.84% | 18.77% | Beats 56% | 276 / 629 | | |
| Total Risk-Based Capital Ratio | 15.81% | 11.58% | 14.43% | 19.66% | Beats 60% | 254 / 629 | | |
| Equity / Assets | 8.53% | 9.09% | 10.65% | 13.80% | Beats 17% | 519 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.63% | 67.24% | 80.90% | 93.48% | 68th pctl | 190 / 594 | | |
| Loans / Assets | 72.58% | 53.31% | 67.71% | 78.15% | 60th pctl | 254 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |