Rehoboth Beach, DE · Cert 33009 · CB Financial Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
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 | 2.09% | 2.75% | 2.48% | 3.34% | 3.84% | 4.23% | 3.31% | 3.36% | +2 bps | |
| Return on Equity | 19.55% | 24.46% | 22.08% | 28.65% | 30.41% | 31.43% | 23.64% | 23.59% | -506 bps | |
| Net Interest Margin | 4.23% | 4.39% | 4.39% | 4.73% | 5.21% | 5.15% | 4.91% | 4.93% | +20 bps | |
| Efficiency Ratio | 46.46% | 43.03% | 42.06% | 37.31% | 33.15% | 32.73% | 38.57% | 37.50% | +19 bps | |
| Non-Interest Burden | 1.29% | 0.93% | 0.85% | 0.32% | -0.24% | -0.23% | 0.50% | 0.30% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.14% | 1.68% | 11.05% | 5.88% | 8.70% | 10.07% | 4.26% | 9.07% | +319 bps | |
| Loan Growth (YoY) | 5.77% | 6.84% | 9.70% | 10.30% | 14.35% | 10.05% | 8.30% | 10.56% | +26 bps | |
| Deposit Growth (YoY) | 4.18% | 3.39% | 7.76% | 4.29% | 6.21% | 6.78% | 5.99% | 7.38% | +309 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.04% | 0.03% | 0.07% | 0.06% | 0.07% | 0.06% | 0.30% | +23 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.13% | 0.03% | -0.01% | -0.01% | 0.00% | 0.04% | 0.01% | +2 bps | |
| Allowance / Loans | 0.97% | 0.92% | 0.90% | 0.88% | 0.88% | 0.92% | 0.88% | 0.91% | +3 bps | |
| Allowance Coverage of NPLs | 12.3x | 20.6x | 28.5x | 11.9x | 14.0x | 14.0x | 14.2x | 3.0x | -8.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.38% | 12.90% | 13.13% | 13.57% | 14.12% | 14.86% | 15.36% | 15.41% | +184 bps | |
| Total Risk-Based Capital | 17.12% | 17.07% | 17.01% | 17.94% | 18.36% | 19.53% | 19.78% | 19.83% | +189 bps | |
| Equity / Assets | 11.16% | 11.33% | 11.14% | 12.19% | 13.03% | 13.89% | 14.12% | 14.33% | +214 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.14% | 85.54% | 87.16% | 87.22% | 88.43% | 88.16% | 89.05% | 89.80% | +258 bps | |
| Liquid Assets / Assets | 4.68% | 2.78% | 6.69% | 4.60% | 5.85% | 7.81% | 8.31% | 7.70% | +310 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 310% | 298% | 295% | n/a | n/a | |