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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.11% | 1.03% | 1.19% | 1.35% | 1.33% | 1.40% | 1.45% | +25 bps | |
| Return on Equity | 12.65% | 12.16% | 11.29% | 12.82% | 14.01% | 13.74% | 14.62% | 14.83% | +201 bps | |
| Net Interest Margin | 2.72% | 2.82% | 2.78% | 2.98% | 3.25% | 3.14% | 3.16% | 3.29% | +31 bps | |
| Efficiency Ratio | 54.02% | 56.62% | 53.84% | 52.07% | 49.10% | 52.42% | 47.38% | 48.35% | -372 bps | |
| Non-Interest Burden | 1.25% | 1.37% | 1.27% | 1.31% | 1.34% | 1.41% | 1.23% | 1.33% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 0.33% | 5.87% | 5.35% | 3.25% | 7.46% | 3.86% | 4.84% | -51 bps | |
| Loan Growth (YoY) | 11.79% | 8.22% | 9.60% | 7.14% | 5.02% | 5.49% | 4.92% | 3.63% | -351 bps | |
| Deposit Growth (YoY) | -0.61% | 1.10% | 4.91% | 5.25% | 3.58% | 5.09% | 2.44% | 3.52% | -172 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.11% | 0.10% | 0.05% | 0.05% | 0.05% | 0.06% | 0.02% | -3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.10% | 0.29% | 0.07% | 0.16% | 0.07% | 0.04% | 0.06% | -1 bps | |
| Allowance / Loans | 1.06% | 1.05% | 1.04% | 1.05% | 1.09% | 1.09% | 1.09% | 1.10% | +5 bps | |
| Allowance Coverage of NPLs | 8.8x | 9.8x | 10.0x | 19.3x | 22.6x | 20.5x | 17.0x | 48.4x | +29.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.73% | 9.51% | 9.83% | 9.87% | 9.97% | 9.64% | 10.04% | 10.23% | +36 bps | |
| Total Risk-Based Capital | 19.18% | 18.91% | 18.99% | 19.17% | 19.93% | 19.41% | 19.74% | 20.12% | +95 bps | |
| Equity / Assets | 9.16% | 9.04% | 9.18% | 9.41% | 9.87% | 9.46% | 9.73% | 9.76% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.70% | 51.33% | 51.60% | 51.81% | 51.41% | 51.52% | 52.85% | 51.86% | +5 bps | |
| Liquid Assets / Assets | 29.97% | 29.23% | 30.16% | 30.27% | 30.03% | 31.43% | 30.25% | 29.71% | -56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 216% | 219% | n/a | n/a | |