Conway, SC · Cert 2102 · CNB Corp.
National charter · OCC · 16 branches
Q2 2026
Market Position · Myrtle Beach-Conway-North Myrtle Beach, SC · 2026 SOD (annual) · 12.4% share · #1 of 21 inst. · $1.5B of $12.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.19% | 1.23% | 1.40% | 1.42% | +31 bps | |
| Return on Equity | 12.07% | 12.74% | 13.07% | 14.62% | 14.72% | +265 bps | |
| Net Interest Margin | 2.84% | 2.93% | 2.97% | 3.16% | 3.20% | +35 bps | |
| Efficiency Ratio | 52.91% | 51.52% | 51.76% | 47.38% | 47.88% | -503 bps | |
| Non-Interest Burden | 1.27% | 1.27% | 1.30% | 1.23% | 1.27% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.35% | 3.25% | 7.46% | 3.86% | 4.84% | -51 bps | |
| Loan Growth (YoY) | 7.14% | 5.02% | 5.49% | 4.92% | 3.63% | -351 bps | |
| Deposit Growth (YoY) | 5.25% | 3.58% | 5.09% | 2.44% | 3.52% | -172 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.05% | 0.06% | 0.02% | -3 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.17% | 0.15% | 0.04% | 0.05% | -13 bps | |
| Allowance / Loans | 1.05% | 1.09% | 1.09% | 1.09% | 1.10% | +5 bps | |
| Allowance Coverage of NPLs | 19.3x | 22.6x | 20.5x | 17.0x | 48.4x | +29.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.87% | 9.97% | 9.64% | 10.04% | 10.23% | +36 bps | |
| Total Risk-Based Capital | 19.17% | 19.93% | 19.41% | 19.74% | 20.12% | +95 bps | |
| Equity / Assets | 9.41% | 9.87% | 9.46% | 9.73% | 9.76% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.81% | 51.41% | 51.52% | 52.85% | 51.86% | +5 bps | |
| Liquid Assets / Assets | 30.27% | 30.03% | 31.43% | 30.25% | 29.71% | -56 bps | |
| CRE / Total Capital | n/a | 208% | 216% | 219% | n/a | n/a | |