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 (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 | 0.68% | 0.51% | 0.54% | 0.78% | 0.87% | 0.92% | 0.92% | 1.18% | +40 bps | |
| Return on Equity | 10.73% | 8.01% | 8.44% | 12.16% | 11.85% | 11.10% | 10.96% | 13.94% | +178 bps | |
| Net Interest Margin | 2.86% | 2.70% | 2.95% | 3.24% | 3.28% | 3.21% | 3.30% | 3.42% | +18 bps | |
| Efficiency Ratio | 74.17% | 79.54% | 79.06% | 72.75% | 69.22% | 64.03% | 67.38% | 61.15% | -1,160 bps | |
| Non-Interest Burden | 1.92% | 1.99% | 2.18% | 2.15% | 2.02% | 1.79% | 2.00% | 1.80% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.37% | 4.39% | 4.46% | 7.75% | 22.05% | 23.11% | 23.82% | 19.59% | +1,184 bps | |
| Loan Growth (YoY) | 9.84% | 9.22% | 11.40% | 9.40% | 12.48% | 10.26% | 11.38% | 10.61% | +121 bps | |
| Deposit Growth (YoY) | 2.39% | 3.14% | 6.14% | 9.24% | 12.10% | 11.91% | 12.08% | 8.33% | -91 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.08% | 0.07% | 0.05% | 0.07% | 0.03% | 0.04% | 0.09% | +4 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.02% | 0.01% | 0.05% | 0.06% | 0.05% | -0.06% | -6 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.09% | 1.09% | 1.07% | 1.09% | 1.09% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | 6.7x | 13.7x | 15.3x | 22.2x | 16.1x | 33.4x | 25.4x | 12.8x | -9.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.93% | 7.91% | 7.88% | 7.87% | 10.12% | 9.33% | 9.40% | 9.50% | +163 bps | |
| Total Risk-Based Capital | 13.28% | 13.06% | 12.84% | 12.60% | 16.03% | 15.97% | 15.84% | 15.81% | +322 bps | |
| Equity / Assets | 6.55% | 6.29% | 6.46% | 6.30% | 8.17% | 8.41% | 8.34% | 8.53% | +223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.00% | 88.39% | 88.52% | 87.78% | 86.30% | 87.08% | 87.96% | 89.63% | +185 bps | |
| Liquid Assets / Assets | 4.67% | 2.20% | 2.18% | 1.22% | 1.16% | 1.02% | 1.28% | 1.00% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 254% | 253% | 265% | n/a | n/a | |