Woodsfield, OH · Cert 6732 · CNB Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Wheeling, WV-OH · 2026 SOD (annual) · 0.4% share · #12 of 13 inst. · $0.0B of $5.5B
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 | 0.78% | 0.79% | 0.82% | 0.90% | 1.04% | +25 bps | |
| Return on Equity | 12.00% | 11.62% | 11.89% | 12.18% | 13.86% | +185 bps | |
| Net Interest Margin | 2.74% | 2.84% | 2.89% | 3.20% | 3.31% | +58 bps | |
| Efficiency Ratio | 67.93% | 67.76% | 67.26% | 66.39% | 63.13% | -480 bps | |
| Non-Interest Burden | 1.82% | 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 / Loans | 0.19% | 0.45% | 0.37% | 0.42% | 0.79% | +60 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.01% | 0.00% | -3 bps | |
| Allowance / Loans | 0.66% | 0.67% | 0.64% | 0.63% | 0.64% | -2 bps | |
| Allowance Coverage of NPLs | 3.5x | 1.5x | 1.7x | 1.5x | 0.8x | -2.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.62% | 8.91% | 8.71% | 8.63% | 8.88% | +26 bps | |
| Total Risk-Based Capital | 24.25% | 24.67% | 22.90% | 23.45% | 23.98% | -26 bps | |
| Equity / Assets | 6.86% | 7.57% | 7.23% | 7.62% | 7.62% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.82% | 45.31% | 46.10% | 45.69% | 44.85% | +104 bps | |
| Liquid Assets / Assets | 12.90% | 12.27% | 12.92% | 11.57% | 11.02% | -188 bps | |
| CRE / Total Capital | n/a | 37.36% | 39.64% | 39.35% | n/a | n/a | |