PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $1.6MQ3 2024Q2 2026
Deposit mix
54%Interest-bearing $76.0M46%Noninterest $65.9MQ3 2024Q2 2026

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 1.18%, up 20 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.79% of loans (+60 bps YoY), with net recoveries of 0.01%.
  • 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.

Return on Assets (quarter, annualized)

1.18%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.41%+47 bps YoY

Efficiency Ratio (quarter, annualized)

60.04%-180 bps YoY

Tier 1 Leverage Ratio

8.88%+26 bps YoY

NIM

2.85%Q2 ’243.14%Q2 ’253.56%Q2 ’26+12%+16%

Non-interest income vs. expense

1.89%Q2 ’241.88%Q2 ’252.12%Q2 ’26-1%+13%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.54%0.59%0.97%0.79%0.92%0.90%1.18%+20 bps
Return on Equity10.28%8.60%9.20%14.47%10.96%12.41%12.18%15.46%+99 bps
Net Interest Margin2.66%2.72%2.68%2.93%2.97%3.17%3.20%3.41%+47 bps
Efficiency Ratio72.94%77.49%74.88%61.84%67.43%65.95%66.39%60.04%-180 bps
Non-Interest Burden1.92%2.08%1.97%1.77%1.97%2.05%2.08%1.99%+22 bps
Growth
Asset Growth (YoY)-2.63%-5.67%-1.21%2.75%1.11%13.93%6.30%5.08%+233 bps
Loan Growth (YoY)-2.28%-4.25%-3.16%-0.42%3.20%8.25%8.27%6.67%+709 bps
Deposit Growth (YoY)-4.32%-7.00%-0.22%1.03%-0.10%7.52%5.08%4.21%+318 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.43%0.11%0.19%0.45%0.37%0.42%0.79%+60 bps
Net Charge-Offs / Loans0.00%0.08%0.00%0.07%-0.01%0.00%0.01%-0.01%-8 bps
Allowance / Loans0.68%0.67%0.68%0.66%0.67%0.64%0.63%0.64%-2 bps
Allowance Coverage of NPLs5.7x1.6x6.2x3.5x1.5x1.7x1.5x0.8x-2.7x
Capital
Tier 1 Leverage Ratio8.47%8.61%8.85%8.62%8.91%8.71%8.63%8.88%+26 bps
Total Risk-Based Capital23.45%23.16%23.79%24.25%24.67%22.90%23.45%23.98%-26 bps
Equity / Assets6.46%6.12%6.59%6.86%7.57%7.23%7.62%7.62%+75 bps
Liquidity & Funding
Loans / Deposits43.86%45.79%44.34%43.82%45.31%46.10%45.69%44.85%+104 bps
Liquid Assets / Assets8.13%5.47%10.34%12.90%12.27%12.92%11.57%11.02%-188 bps
CRE / Total Capitaln/an/an/an/a37.36%39.64%39.35%n/an/a