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Citizens National Bank of Woodsfield, The

Woodsfield, OH · Cert 6732 · CNB Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

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.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens National Bank of Woodsfield, The

Woodsfield, OH · Cert 6732 · CNB Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$153.9MAssets
$63.7MLoans
$141.9MDeposits
$11.7MEquity
Loan mix
88%RE $55.1M9%C&I $5.6M3%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $76.0M46%Noninterest $65.9MQ2 2025Q2 2026

NIM

2.76%Q2 ’242.95%Q2 ’253.47%Q2 ’26+7%+21%

Non-interest income vs. expense

1.93%Q2 ’241.94%Q2 ’252.17%Q2 ’26+0%+12%

Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 0.4% share · #12 of 13 inst. · $0.0B of $5.5B

28.1% Monroe
1.0% Belmont
1.3% Guernsey

Executive Summary

  • Earnings: ROA of 1.04%, up 25 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.79% of loans (+60 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.88%, up 26 bps from a year ago.
  • Funding: loans stand at 44.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+58 bps YoY

Efficiency Ratio (YTD, annualized)

63.13%-480 bps YoY

Tier 1 Leverage Ratio

8.88%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.79%0.82%0.90%1.04%+25 bps
Return on Equity12.00%11.62%11.89%12.18%13.86%+185 bps
Net Interest Margin2.74%2.84%2.89%3.20%3.31%+58 bps
Efficiency Ratio67.93%67.76%67.26%66.39%63.13%-480 bps
Non-Interest Burden1.82%1.89%1.91%2.08%2.04%+22 bps
Growth
Asset Growth (YoY)2.75%1.11%13.93%6.30%5.08%+233 bps
Loan Growth (YoY)-0.42%3.20%8.25%8.27%6.67%+709 bps
Deposit Growth (YoY)1.03%-0.10%7.52%5.08%4.21%+318 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.45%0.37%0.42%0.79%+60 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.01%0.00%-3 bps
Allowance / Loans0.66%0.67%0.64%0.63%0.64%-2 bps
Allowance Coverage of NPLs3.5x1.5x1.7x1.5x0.8x-2.7x
Capital
Tier 1 Leverage Ratio8.62%8.91%8.71%8.63%8.88%+26 bps
Total Risk-Based Capital24.25%24.67%22.90%23.45%23.98%-26 bps
Equity / Assets6.86%7.57%7.23%7.62%7.62%+75 bps
Liquidity & Funding
Loans / Deposits43.82%45.31%46.10%45.69%44.85%+104 bps
Liquid Assets / Assets12.90%12.27%12.92%11.57%11.02%-188 bps
CRE / Total Capitaln/a37.36%39.64%39.35%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens National Bank of Woodsfield, The

Woodsfield, OH · Cert 6732 · Peer group: banks under $1B in assets in OH (n=68-71) · CNB Bcorp Inc.

National charter · OCC · 4 branches

Q2 2026

$153.9MAssets
$63.7MLoans
$141.9MDeposits
$11.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 83% of banks under $1B in assets in OH (rank 12 of 71).
  • Widest gap: equity / assets trails 86% of banks under $1B in assets in OH (rank 61 of 71).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.04%

Rank 35 of 71

Net Interest Margin

3.31%

Rank 47 of 71

Efficiency Ratio

63.13%

Rank 27 of 71

Equity / Assets

7.62%

Rank 61 of 71

Non-interest income vs. expense

$0.2M$3.4MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 63% of banks under $1B in assets in OH
Bank 63.13%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.62%1.02%1.39%Beats 51%35 / 71
Return on Equity13.60%5.62%10.07%13.60%Beats 75%18 / 71
Net Interest Margin3.31%2.93%3.56%4.07%Beats 34%47 / 71
Efficiency Ratio63.13%55.94%70.77%78.80%Beats 63%27 / 71
Asset Quality
Nonperforming Loans / Loans0.79%0.08%0.27%0.97%Beats 35%45 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 49%36 / 68
Capital
Tier 1 Capital Ratio23.30%11.18%13.77%20.34%Beats 83%12 / 71
Total Risk-Based Capital Ratio23.98%12.08%14.34%21.24%Beats 83%12 / 71
Equity / Assets7.62%8.41%10.74%13.32%Beats 14%61 / 71
Liquidity & Funding
Loans / Deposits44.85%64.48%76.81%87.49%3rd pctl66 / 68
Loans / Assets41.36%55.33%65.58%72.51%8th pctl65 / 71
Brokered Deposits / Depositsn/aNot reported for this institution