Metropolis, IL · Cert 3814 · City National Bankcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Paducah, KY-IL · 2026 SOD (annual) · 10.5% share · #2 of 15 inst. · $0.3B of $3.3B
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 | 0.42% | 0.60% | 0.63% | 0.89% | 0.86% | 0.82% | 0.70% | 0.81% | -8 bps | |
| Return on Equity | 4.38% | 6.20% | 6.76% | 9.34% | 8.68% | 7.90% | 6.58% | 7.53% | -182 bps | |
| Net Interest Margin | 2.28% | 2.42% | 2.34% | 2.54% | 2.54% | 2.73% | 2.75% | 2.78% | +24 bps | |
| Efficiency Ratio | 68.27% | 72.96% | 69.35% | 63.85% | 63.03% | 65.48% | 70.37% | 65.63% | +178 bps | |
| Non-Interest Burden | 1.47% | 1.71% | 1.55% | 1.47% | 1.51% | 1.72% | 1.87% | 1.77% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | -0.84% | 2.80% | 0.47% | 0.10% | 1.26% | -2.05% | 0.56% | +9 bps | |
| Loan Growth (YoY) | -0.65% | -0.75% | 0.48% | 3.42% | 7.01% | 4.89% | 7.13% | 7.97% | +455 bps | |
| Deposit Growth (YoY) | -0.84% | -0.62% | 1.11% | 0.20% | -0.71% | -0.46% | -1.25% | -1.80% | -199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.48% | 1.69% | 1.86% | 1.87% | 1.75% | 1.61% | 1.44% | 1.68% | -19 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.03% | 0.77% | 0.13% | -0.01% | 0.36% | 0.19% | 0.17% | +4 bps | |
| Allowance / Loans | 1.68% | 1.65% | 1.48% | 1.41% | 1.39% | 1.32% | 1.25% | 1.16% | -25 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 0.8x | 0.8x | 0.8x | 0.8x | 0.9x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.11% | 12.93% | 13.11% | 13.13% | 13.35% | 13.35% | 13.74% | 13.78% | +65 bps | |
| Total Risk-Based Capital | 25.77% | 25.20% | 25.44% | 25.35% | 25.31% | 25.61% | 25.63% | 25.17% | -18 bps | |
| Equity / Assets | 10.03% | 9.20% | 9.43% | 9.54% | 10.16% | 10.73% | 10.70% | 10.68% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.75% | 64.40% | 62.88% | 65.53% | 67.63% | 67.86% | 68.21% | 72.05% | +652 bps | |
| Liquid Assets / Assets | 5.29% | 1.75% | 3.23% | 2.94% | 2.44% | 3.42% | 3.38% | 2.26% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 99.02% | 92.28% | 92.90% | n/a | n/a | |