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 1.04%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.59%0.59%0.78%0.79%0.82%0.90%1.04%+25 bps
Return on Equity11.25%10.72%9.20%12.00%11.62%11.89%12.18%13.86%+185 bps
Net Interest Margin2.59%2.67%2.68%2.74%2.84%2.89%3.20%3.31%+58 bps
Efficiency Ratio72.71%73.94%74.88%67.93%67.76%67.26%66.39%63.13%-480 bps
Non-Interest Burden1.86%1.95%1.97%1.82%1.89%1.91%2.08%2.04%+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%0.02%0.00%0.03%0.02%0.01%0.01%0.00%-3 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