CNB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CNB Bank of Clearfield, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.39% | 1.46% | -0.07% | 60th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.69% | 12.72% | -0.03% | 52nd above |
| Net Interest Margin | 3.91% | 3.85% | +0.06% | 63rd above |
| Efficiency Ratio | 55.33% | 57.41% | -2.08% | 60th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.77% | 1.88% | -0.11% | 55th above |
| Yield on Earning Assets | 5.85% | 5.72% | +0.13% | 68th above |
| Cost of Funds | 2.08% | 2.02% | +0.06% | 46th below |
| Net Interest Spread | 3.38% | 3.18% | +0.20% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.01% | 1.00% | +0.01% | 32nd below |
| NPA / Total Assets | 0.82% | 0.76% | +0.06% | 30th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 36th below |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 30th below |
| ACL / NPLs (Coverage) | 99.66% | 544.83% | -445.17% | 29th below |
| Texas Ratio | 7.99% | 7.39% | +0.60% | 30th below |
| Provision / NCO | 124.17% | 620.51% | -496.34% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.09% | 17.35% | -4.26% | 43rd below |
| Tier 1 Ratio | 13.21% | 17.38% | -4.17% | 44th below |
| Total Capital Ratio | 14.05% | 18.44% | -4.39% | 41st below |
| Leverage Ratio | 10.17% | 11.44% | -1.27% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.34% | -0.42% | 59th above |
| TCE / Tangible Assets | 9.64% | 10.50% | -0.86% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.60% | 86.94% | +3.66% | 43rd below |
| Core Deposit Ratio | 92.98% | 85.53% | +7.45% | 74th above |
| Uninsured Deposit Ratio | 28.83% | 33.14% | -4.31% | 57th above |
| Wholesale Funding Ratio | 2.16% | 5.72% | -3.56% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 33.62% | 9.60% | +24.02% | 96th top |
| Loan Growth (Y/Y) | 37.78% | 7.96% | +29.82% | 96th top |
| Deposit Growth (Y/Y) | 28.94% | 7.80% | +21.14% | 94th top |
See CNB Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CNB Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full CNB Bank profile, how to read a UBPR, or how this data updates.