Cheboygan, MI · Cert 5018 · CNB Corp.
National charter · OCC · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
37
Profitability
55
Liquidity
48
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cheboygan, MI · Cert 5018 · CNB Corp.
National charter · OCC · 10 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.66% | 0.64% | 0.67% | 0.78% | 0.82% | 0.73% | 0.73% | +6 bps | |
| Return on Equity | 35.74% | 37.04% | 27.24% | 25.15% | 26.80% | 25.57% | 16.54% | 16.39% | -876 bps | |
| Net Interest Margin | 2.85% | 2.97% | 3.23% | 3.32% | 3.33% | 3.46% | 3.65% | 3.71% | +39 bps | |
| Efficiency Ratio | 78.12% | 77.54% | 79.30% | 78.21% | 75.33% | 74.61% | 78.31% | 78.63% | +42 bps | |
| Non-Interest Burden | 2.10% | 2.17% | 2.46% | 2.48% | 2.36% | 2.43% | 2.74% | 2.80% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.59% | -2.02% | -4.86% | -2.78% | -4.24% | -1.16% | -0.71% | 0.38% | +316 bps | |
| Loan Growth (YoY) | 6.32% | 4.10% | 4.30% | 3.10% | 5.88% | 8.16% | 7.23% | 9.03% | +593 bps | |
| Deposit Growth (YoY) | -0.71% | 2.52% | 6.21% | 7.11% | 1.61% | -0.87% | -2.91% | -1.29% | -840 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.13% | 0.05% | 0.04% | 1.60% | 1.53% | 1.53% | 1.47% | +143 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.04% | 0.03% | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.45% | 1.42% | 1.41% | 1.39% | 1.34% | 1.36% | 1.37% | 1.32% | -7 bps | |
| Allowance Coverage of NPLs | 9.3x | 10.6x | 31.2x | 31.5x | 0.8x | 0.9x | 0.9x | 0.9x | -30.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.10% | 7.37% | 7.55% | 7.92% | 7.86% | 8.23% | 8.25% | 8.49% | +58 bps | |
| Total Risk-Based Capital | 14.52% | 15.26% | 15.33% | 15.40% | 15.24% | 15.57% | 15.49% | 15.45% | +5 bps | |
| Equity / Assets | 2.63% | 1.93% | 2.79% | 3.28% | 3.67% | 4.38% | 4.46% | 4.56% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.39% | 56.29% | 53.78% | 55.74% | 54.59% | 61.42% | 59.40% | 61.57% | +583 bps | |
| Liquid Assets / Assets | 7.84% | 3.82% | 2.74% | 1.99% | 5.94% | 1.86% | 1.92% | 1.99% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 271% | 265% | 261% | n/a | n/a | |
Cheboygan, MI · Cert 5018 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CNB Corp.
National charter · OCC · 10 branches
Q2 2026
Return on Assets
0.73%
Rank 554 of 746
Net Interest Margin
3.71%
Rank 358 of 746
Efficiency Ratio
78.63%
Rank 600 of 746
Equity / Assets
4.56%
Rank 740 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.72% | 1.06% | 1.45% | Beats 26% | 554 / 746 | ||
| Return on Equity | 15.98% | 6.74% | 10.51% | 13.63% | Beats 87% | 97 / 746 | ||
| Net Interest Margin | 3.71% | 3.17% | 3.68% | 4.16% | Beats 52% | 358 / 746 | ||
| Efficiency Ratio | 78.63% | 55.74% | 64.58% | 75.47% | Beats 20% | 600 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.47% | 0.09% | 0.42% | 1.07% | Beats 17% | 615 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 323 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.29% | 11.55% | 13.75% | 17.60% | Beats 55% | 339 / 746 | ||
| Total Risk-Based Capital Ratio | 15.45% | 11.71% | 14.33% | 18.43% | Beats 59% | 306 / 746 | ||
| Equity / Assets | 4.56% | 8.90% | 10.51% | 13.06% | Beats 1% | 740 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.57% | 61.31% | 78.27% | 90.78% | 25th pctl | 559 / 746 | ||
| Loans / Assets | 56.97% | 53.60% | 66.97% | 76.08% | 31st pctl | 517 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||