Rehoboth Beach, DE · Cert 33009 · CB Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
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 | 2.94% | 3.24% | 3.50% | 3.31% | 3.34% | +40 bps | |
| Return on Equity | 25.47% | 27.15% | 28.33% | 23.64% | 23.64% | -183 bps | |
| Net Interest Margin | 4.51% | 4.68% | 4.75% | 4.91% | 4.86% | +36 bps | |
| Efficiency Ratio | 39.50% | 37.02% | 35.82% | 38.57% | 38.02% | -147 bps | |
| Non-Interest Burden | 0.58% | 0.30% | 0.16% | 0.50% | 0.39% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.88% | 8.70% | 10.07% | 4.26% | 9.07% | +319 bps | |
| Loan Growth (YoY) | 10.30% | 14.35% | 10.05% | 8.30% | 10.56% | +26 bps | |
| Deposit Growth (YoY) | 4.29% | 6.21% | 6.78% | 5.99% | 7.38% | +309 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.07% | 0.06% | 0.30% | +23 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.04% | 0.02% | +1 bps | |
| Allowance / Loans | 0.88% | 0.88% | 0.92% | 0.88% | 0.91% | +3 bps | |
| Allowance Coverage of NPLs | 11.9x | 14.0x | 14.0x | 14.2x | 3.0x | -8.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.57% | 14.12% | 14.86% | 15.36% | 15.41% | +184 bps | |
| Total Risk-Based Capital | 17.94% | 18.36% | 19.53% | 19.78% | 19.83% | +189 bps | |
| Equity / Assets | 12.19% | 13.03% | 13.89% | 14.12% | 14.33% | +214 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.22% | 88.43% | 88.16% | 89.05% | 89.80% | +258 bps | |
| Liquid Assets / Assets | 4.60% | 5.85% | 7.81% | 8.31% | 7.70% | +310 bps | |
| CRE / Total Capital | n/a | 310% | 298% | 295% | n/a | n/a | |