CNB BANK & TRUST, NA

CARLINVILLE, IL | Large | RSSD #613343
Latest Report: 2025-12-31

CNB BANK & TRUST, NA is aln large FDIC-insured commercial bank headquartered in CARLINVILLE, IL. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.5B. Profitability stands at 1.14% ROA and 12.75% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 11.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 2.48%.

Assets

$1.8B

Deposits

$1.5B

Loans

$1.3B

Equity

$165M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 12.75%
Net Interest Margin (NIM) 3.84%
Yield on Assets 5.89%
Cost of Funds 2.64%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.48%
NPA Ratio 0.25%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 11.88%
Tier 1 Capital 11.88%
Total Capital Ratio 12.99%
Leverage Ratio 9.36%
Loan-to-Deposit 88.43%

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