CNB Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Accumulated other comprehensive income fell 6.7% in Q2 2026 to -$36.6M, the biggest move on this page. Within Pennsylvania, CNB Bank is 44th of 72 on CET1 ratio, 13.09% as of Q2 2026, below the middle of the field. At 13.09%, CNB Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.09% |
| Tier 1 risk-based capital ratio | 13.21% |
| Total risk-based capital ratio | 14.05% |
| Tier 1 leverage ratio | 10.17% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $844.8M |
| Tier 1 capital | $852.2M |
| Total risk-based capital | $906.3M |
| Total equity capital | $918.9M |
| Risk-weighted assets | $6.45B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.92% |
| Tangible equity to tangible assets | 9.64% |
| Equity capital to average assets | 10.83% |
| Internal capital growth rate | -8.11% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $534.5M |
| Retained earnings | $418.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$36.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.03% | 12.20% | 13.08% | 9.83% | $4.54B |
| Q4 2023 | 12.31% | 12.47% | 13.36% | 9.86% | $4.52B |
| Q1 2024 | 12.56% | 12.72% | 13.65% | 10.01% | $4.49B |
| Q2 2024 | 12.51% | 12.67% | 13.58% | 9.89% | $4.56B |
| Q3 2024 | 12.41% | 12.56% | 13.48% | 9.97% | $4.67B |
| Q4 2024 | 12.51% | 12.67% | 13.59% | 9.84% | $4.71B |
| Q1 2025 | 12.62% | 12.78% | 13.75% | 9.74% | $4.72B |
| Q2 2025 | 12.50% | 12.65% | 13.62% | 9.85% | $4.83B |
| Q3 2025 | 12.54% | 12.65% | 13.65% | 9.98% | $6.45B |
| Q4 2025 | 13.34% | 13.45% | 14.22% | 10.50% | $6.37B |
| Q1 2026 | 13.55% | 13.67% | 14.50% | 10.53% | $6.36B |
| Q2 2026 | 13.09% | 13.21% | 14.05% | 10.17% | $6.45B |
CNB Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13876) · FFIEC NIC profile (RSSD 399517)