Carmichaels, PA · Cert 7848 · CB Financial Services Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.3% share · #20 of 48 inst. · $0.6B of $209.3B
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 | 0.83% | 0.05% | 0.36% | 1.02% | 1.06% | +23 bps | |
| Return on Equity | 8.32% | 0.54% | 3.60% | 9.76% | 10.17% | +185 bps | |
| Net Interest Margin | 3.22% | 3.31% | 3.33% | 3.62% | 3.46% | +24 bps | |
| Efficiency Ratio | 71.44% | 68.77% | 67.16% | 66.70% | 66.42% | -502 bps | |
| Non-Interest Burden | 2.22% | 2.19% | 2.13% | 2.32% | 2.21% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.57% | -0.92% | 4.62% | 6.86% | 9.12% | +1,169 bps | |
| Loan Growth (YoY) | 2.97% | 7.25% | 6.29% | 6.35% | 6.15% | +319 bps | |
| Deposit Growth (YoY) | -3.32% | -1.81% | 3.89% | 6.85% | 5.08% | +840 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.19% | 0.46% | 0.29% | 0.29% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.02% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.87% | 0.89% | 0.87% | 0.89% | 0.89% | +1 bps | |
| Allowance Coverage of NPLs | 5.5x | 4.7x | 1.9x | 3.1x | 3.1x | -2.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.49% | 10.06% | 10.15% | 10.34% | 9.94% | -55 bps | |
| Total Risk-Based Capital | 16.29% | 15.20% | 14.89% | 15.71% | 15.18% | -112 bps | |
| Equity / Assets | 10.05% | 10.18% | 10.52% | 10.44% | 10.25% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.24% | 85.11% | 86.21% | 83.72% | 85.10% | +86 bps | |
| Liquid Assets / Assets | 3.33% | 2.77% | 1.19% | 2.71% | 3.80% | +47 bps | |
| CRE / Total Capital | n/a | 381% | 382% | 375% | n/a | n/a | |