PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 1.24%, up 23 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.90% of loans (-62 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.24%+23 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+51 bps YoY

Efficiency Ratio (quarter, annualized)

66.82%-2 bps YoY

Tier 1 Leverage Ratio

13.13%+37 bps YoY

NIM

4.56%Q2 ’244.99%Q2 ’255.49%Q2 ’26+15%+14%

Non-interest income vs. expense

2.70%Q2 ’242.92%Q2 ’253.29%Q2 ’26+14%+14%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%0.78%0.83%1.01%0.66%1.11%0.91%1.24%+23 bps
Return on Equity9.21%6.63%7.06%8.48%5.30%8.76%7.26%9.86%+137 bps
Net Interest Margin3.55%3.56%3.63%3.74%3.83%4.05%4.10%4.25%+51 bps
Efficiency Ratio69.82%75.72%74.59%66.84%73.65%71.32%73.91%66.82%-2 bps
Non-Interest Burden2.26%2.52%2.55%2.29%2.66%2.61%2.89%2.62%+33 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%1.19%0.01%0.06%0.00%0 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