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Community National Bank in Monmouth

Monmouth, IL · Cert 19230 · CNB Holdings Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 in IL (n=149 to 151). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

31

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

Community National Bank in Monmouth

Monmouth, IL · Cert 19230 · CNB Holdings Inc.

National charter · OCC · 1 branch

Q2 2026

$55.1MAssets
$33.8MLoans
$47.7MDeposits
$7.0MEquity
Loan mix
80%RE $22.2M11%C&I $3.1M9%Consumer $2.5MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $39.9M16%Noninterest $7.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.08%, up 16 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.90% of loans (-62 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.13%, up 37 bps from a year ago.
  • Funding: loans stand at 70.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+51 bps YoY

Efficiency Ratio (YTD, annualized)

70.23%-39 bps YoY

Tier 1 Leverage Ratio

13.13%+37 bps YoY

NIM

4.49%Q2 ’244.88%Q2 ’255.34%Q2 ’26+14%+14%

Non-interest income vs. expense

2.77%Q2 ’243.01%Q2 ’253.34%Q2 ’26+13%+14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.84%0.83%0.92%0.84%0.90%0.91%1.08%+16 bps
Return on Equity7.85%7.57%7.06%7.79%6.93%7.42%7.26%8.56%+78 bps
Net Interest Margin3.30%3.37%3.63%3.64%3.72%3.83%4.10%4.15%+51 bps
Efficiency Ratio71.12%72.34%74.59%70.62%71.66%71.57%73.91%70.23%-39 bps
Non-Interest Burden2.16%2.25%2.55%2.39%2.49%2.54%2.89%2.73%+34 bps
Growth
Asset Growth (YoY)-10.13%-7.82%2.56%5.08%0.57%3.21%2.92%0.90%-419 bps
Loan Growth (YoY)-2.28%11.37%14.29%8.37%8.95%5.53%4.88%1.82%-655 bps
Deposit Growth (YoY)-13.04%-9.78%1.26%4.17%-0.74%2.04%2.19%0.02%-415 bps
Asset Quality
Nonperforming Loans / Loans1.20%1.63%1.51%1.52%0.95%0.96%0.87%0.90%-62 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.40%0.31%0.06%0.03%+3 bps
Allowance / Loans1.64%1.66%1.58%1.68%1.42%1.50%1.43%1.53%-15 bps
Allowance Coverage of NPLs1.4x1.0x1.0x1.1x1.5x1.6x1.6x1.7x+0.6x
Capital
Tier 1 Leverage Ratio12.87%12.70%12.78%12.75%12.97%12.99%12.99%13.13%+37 bps
Total Risk-Based Capital12.87%12.70%12.78%12.75%12.97%12.99%12.99%13.13%+37 bps
Equity / Assets12.08%11.53%12.02%11.87%12.91%12.43%12.65%12.61%+74 bps
Liquidity & Funding
Loans / Deposits71.90%70.20%75.17%69.68%78.91%72.60%77.15%70.93%+125 bps
Liquid Assets / Assets9.61%10.35%5.44%10.44%6.15%9.67%6.98%11.21%+78 bps
CRE / Total Capitaln/an/an/an/a48.94%49.79%48.07%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

Community National Bank in Monmouth

Monmouth, IL · Cert 19230 · Peer group: banks under $1B in assets in IL (n=149-151) · CNB Holdings Inc.

National charter · OCC · 1 branch

Q2 2026

$55.1MAssets
$33.8MLoans
$47.7MDeposits
$7.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets in IL (rank 20 of 151).
  • Widest gap: efficiency ratio trails 69% of banks under $1B in assets in IL (rank 105 of 151).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 72 of 151

Net Interest Margin

4.15%

Rank 20 of 151

Efficiency Ratio

70.23%

Rank 105 of 151

Equity / Assets

12.61%

Rank 34 of 151

Non-interest income vs. expense

$0.3M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 31% of banks under $1B in assets in IL
Bank 70.23%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.70%1.03%1.34%Beats 52%72 / 151
Return on Equity8.37%6.74%9.34%12.94%Beats 40%91 / 151
Net Interest Margin4.15%3.02%3.43%3.83%Beats 87%20 / 151
Efficiency Ratio70.23%54.64%64.89%72.50%Beats 31%105 / 151
Asset Quality
Nonperforming Loans / Loans0.90%0.20%0.66%1.77%Beats 42%87 / 149
Net Charge-Offs / Loans0.01%0.00%0.02%0.07%Beats 53%71 / 149
Capital
Tier 1 Capital Ratio13.13%11.83%14.17%18.66%Beats 41%89 / 151
Total Risk-Based Capital Ratio13.13%12.22%14.54%19.92%Beats 38%94 / 151
Equity / Assets12.61%9.10%10.65%12.40%Beats 77%34 / 151
Liquidity & Funding
Loans / Deposits70.94%54.39%71.02%80.75%48th pctl77 / 149
Loans / Assets61.35%45.91%61.31%68.01%50th pctl75 / 151
Brokered Deposits / Depositsn/aNot reported for this institution