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 | |