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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 $2.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $39.9M16%Noninterest $7.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.84%0.90%0.91%1.08%+16 bps
Return on Equity7.79%6.93%7.42%7.26%8.56%+78 bps
Net Interest Margin3.64%3.72%3.83%4.10%4.15%+51 bps
Efficiency Ratio70.62%71.66%71.57%73.91%70.23%-39 bps
Non-Interest Burden2.39%2.49%2.54%2.89%2.73%+34 bps
Growth
Asset Growth (YoY)5.08%0.57%3.21%2.92%0.90%-419 bps
Loan Growth (YoY)8.37%8.95%5.53%4.88%1.82%-655 bps
Deposit Growth (YoY)4.17%-0.74%2.04%2.19%0.02%-415 bps
Asset Quality
Nonperforming Loans / Loans1.52%0.95%0.96%0.87%0.90%-62 bps
Net Charge-Offs / Loans0.00%0.40%0.31%0.06%0.03%+3 bps
Allowance / Loans1.68%1.42%1.50%1.43%1.53%-15 bps
Allowance Coverage of NPLs1.1x1.5x1.6x1.6x1.7x+0.6x
Capital
Tier 1 Leverage Ratio12.75%12.97%12.99%12.99%13.13%+37 bps
Total Risk-Based Capital12.75%12.97%12.99%12.99%13.13%+37 bps
Equity / Assets11.87%12.91%12.43%12.65%12.61%+74 bps
Liquidity & Funding
Loans / Deposits69.68%78.91%72.60%77.15%70.93%+125 bps
Liquid Assets / Assets10.44%6.15%9.67%6.98%11.21%+78 bps
CRE / Total Capitaln/a48.94%49.79%48.07%n/an/a