San Saba, TX · Cert 5518 · CNB National Financial Corp.
National charter · OCC · 1 branch
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.73% | 0.54% | 0.67% | 0.68% | +18 bps | |
| Return on Equity | 4.69% | 6.64% | 4.82% | 5.68% | 5.69% | +100 bps | |
| Net Interest Margin | 1.95% | 2.32% | 2.16% | 2.15% | 2.15% | +20 bps | |
| Efficiency Ratio | 73.49% | 65.37% | 72.25% | 66.35% | 66.32% | -717 bps | |
| Non-Interest Burden | 1.32% | 1.37% | 1.44% | 1.29% | 1.27% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.35% | -4.70% | -0.63% | -2.84% | -5.95% | -160 bps | |
| Loan Growth (YoY) | 20.07% | -8.54% | -12.97% | -10.74% | -14.78% | -3,485 bps | |
| Deposit Growth (YoY) | -6.25% | -6.33% | -2.43% | -4.05% | -7.09% | -84 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.17% | 0.12% | 0.00% | 0.03% | -21 bps | |
| Allowance / Loans | 3.21% | 3.45% | 3.54% | 3.73% | 3.91% | +70 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.68% | 12.56% | 12.75% | 12.58% | 12.02% | +34 bps | |
| Total Risk-Based Capital | 11.68% | 12.56% | 12.75% | 12.58% | 12.02% | +34 bps | |
| Equity / Assets | 10.78% | 12.08% | 11.99% | 11.75% | 11.86% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 12.06% | 12.24% | 11.84% | 11.15% | 11.06% | -100 bps | |
| Liquid Assets / Assets | 32.26% | 26.73% | 24.28% | 17.62% | 18.56% | -1,370 bps | |
| CRE / Total Capital | n/a | 22.27% | 22.19% | 20.83% | n/a | n/a | |