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Consumers National Bank

Minerva, OH · Cert 19482 · Consumers Bcorp Inc.

National charter · OCC · 23 branches

Q2 2026

$1.3BAssets
$938.6MLoans
$1.1BDeposits
$89.9MEquity
Loan mix
71%RE $624.2M14%C&I $123.7M15%Consumer $127.1MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $874.1M22%Noninterest $247.0MQ2 2025Q2 2026

NIM

4.60%Q2 ’244.73%Q2 ’254.86%Q2 ’26+10%+3%

Non-interest income vs. expense

2.33%Q2 ’242.53%Q2 ’252.51%Q2 ’26+9%-2%

Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 6.2% share · #6 of 18 inst. · $0.7B of $10.7B

5.0% Stark
12.8% Columbiana
28.3% Carroll
8.6% Jefferson

Executive Summary

  • Earnings: ROA of 0.96%, up 14 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.07% of loans (-5 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 8.35%, up 12 bps from a year ago.
  • Funding: loans stand at 83.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.96%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.26%+9 bps YoY

Efficiency Ratio (quarter, annualized)

66.71%-241 bps YoY

Tier 1 Leverage Ratio

8.35%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.92%0.94%0.94%0.96%+14 bps
Return on Equity12.69%13.78%13.38%13.25%13.64%+95 bps
Net Interest Margin3.17%3.20%3.26%3.28%3.26%+9 bps
Efficiency Ratio69.12%68.18%68.09%68.43%66.71%-241 bps
Non-Interest Burden2.04%2.02%2.05%2.09%2.01%-3 bps
Growth
Asset Growth (YoY)6.24%5.75%9.19%9.18%9.86%+362 bps
Loan Growth (YoY)7.14%8.67%14.30%17.87%15.27%+813 bps
Deposit Growth (YoY)6.59%7.08%9.14%8.21%8.10%+152 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.11%0.06%0.07%-5 bps
Net Charge-Offs / Loans0.03%0.04%0.05%0.03%-0.03%-5 bps
Allowance / Loans1.04%1.04%1.01%0.98%0.99%-5 bps
Allowance Coverage of NPLs8.2x9.0x9.0x16.2x13.3x+5.1x
Capital
Tier 1 Leverage Ratio8.23%8.24%8.28%8.37%8.35%+12 bps
Total Risk-Based Capital12.00%12.03%11.94%12.07%11.93%-7 bps
Equity / Assets6.50%6.88%7.12%7.03%7.03%+53 bps
Liquidity & Funding
Loans / Deposits78.51%78.09%80.13%81.56%83.72%+520 bps
Liquid Assets / Assets0.49%1.18%0.40%0.38%0.37%-12 bps
CRE / Total Capitaln/a363%365%367%n/an/a