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Letter portraitLegal landscapeQuarterYTD

County Bank

Rehoboth Beach, DE · Cert 33009 · CB Financial Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$696.4MAssets
$518.8MLoans
$577.8MDeposits
$99.8MEquity
Loan mix
77%RE $390.6M8%C&I $39.5M15%Consumer $75.7MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $424.7M26%Noninterest $153.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 3.34%, up 40 bps year over year; NIM at 4.86%.
  • Asset quality: problem loans at 0.30% of loans (+23 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 15.41%, up 184 bps from a year ago.
  • Funding: loans stand at 89.80% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

3.34%+40 bps YoY

Net Interest Margin (YTD, annualized)

4.86%+36 bps YoY

Efficiency Ratio (YTD, annualized)

38.02%-147 bps YoY

Tier 1 Leverage Ratio

15.41%+184 bps YoY

NIM

5.01%Q2 ’245.58%Q2 ’255.91%Q2 ’26+11%+8%

Non-interest income vs. expense

2.56%Q2 ’242.57%Q2 ’252.74%Q2 ’26-66%-32%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%2.07%2.48%2.94%3.24%3.50%3.31%3.34%+40 bps
Return on Equity17.89%19.73%22.08%25.47%27.15%28.33%23.64%23.64%-183 bps
Net Interest Margin4.00%4.09%4.39%4.51%4.68%4.75%4.91%4.86%+36 bps
Efficiency Ratio49.94%47.94%42.06%39.50%37.02%35.82%38.57%38.02%-147 bps
Non-Interest Burden1.51%1.37%0.85%0.58%0.30%0.16%0.50%0.39%-18 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 / Loans0.08%0.04%0.03%0.07%0.06%0.07%0.06%0.30%+23 bps
Net Charge-Offs / Loans0.12%0.12%0.03%0.01%0.00%0.00%0.04%0.02%+1 bps
Allowance / Loans0.97%0.92%0.90%0.88%0.88%0.92%0.88%0.91%+3 bps
Allowance Coverage of NPLs12.3x20.6x28.5x11.9x14.0x14.0x14.2x3.0x-8.9x
Capital
Tier 1 Leverage Ratio12.38%12.90%13.13%13.57%14.12%14.86%15.36%15.41%+184 bps
Total Risk-Based Capital17.12%17.07%17.01%17.94%18.36%19.53%19.78%19.83%+189 bps
Equity / Assets11.16%11.33%11.14%12.19%13.03%13.89%14.12%14.33%+214 bps
Liquidity & Funding
Loans / Deposits82.14%85.54%87.16%87.22%88.43%88.16%89.05%89.80%+258 bps
Liquid Assets / Assets4.68%2.78%6.69%4.60%5.85%7.81%8.31%7.70%+310 bps
CRE / Total Capitaln/an/an/an/a310%298%295%n/an/a