Berkeley Springs, WV · Cert 14507 · CNB Financial Services Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Hagerstown-Martinsburg, MD-WV · 2026 SOD (annual) · 10.8% share · #3 of 17 inst. · $0.7B of $6.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.72% | 0.78% | 0.92% | 1.05% | +39 bps | |
| Return on Equity | 10.35% | 10.54% | 10.86% | 10.96% | 12.46% | +210 bps | |
| Net Interest Margin | 3.07% | 3.02% | 2.84% | 3.30% | 3.33% | +26 bps | |
| Efficiency Ratio | 75.74% | 73.36% | 70.73% | 67.38% | 64.16% | -1,159 bps | |
| Non-Interest Burden | 2.15% | 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 / Loans | 0.05% | 0.07% | 0.03% | 0.04% | 0.09% | +4 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.03% | 0.05% | 0.00% | -2 bps | |
| Allowance / Loans | 1.09% | 1.07% | 1.09% | 1.09% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | 22.2x | 16.1x | 33.4x | 25.4x | 12.8x | -9.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.87% | 10.12% | 9.33% | 9.40% | 9.50% | +163 bps | |
| Total Risk-Based Capital | 12.60% | 16.03% | 15.97% | 15.84% | 15.81% | +322 bps | |
| Equity / Assets | 6.30% | 8.17% | 8.41% | 8.34% | 8.53% | +223 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.78% | 86.30% | 87.08% | 87.96% | 89.63% | +185 bps | |
| Liquid Assets / Assets | 1.22% | 1.16% | 1.02% | 1.28% | 1.00% | -21 bps | |
| CRE / Total Capital | n/a | 254% | 253% | 265% | n/a | n/a | |