CNB Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 37.45 percentage points in Q2 2026, from 137.11% to 99.66%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, CNB Bank is 31st of 109 on return on assets, 1.39% as of Q2 2026, above the middle of the field. CNB Bank reported 1.39% on return on assets for Q2 2026, 0.11 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.09% |
| Tier 1 risk-based capital ratio | 13.21% |
| Total risk-based capital ratio | 14.05% |
| Tier 1 leverage ratio | 10.17% |
| Equity capital to assets | 10.92% |
| Tangible equity to tangible assets | 9.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.01% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 7.99% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 99.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 12.69% |
| Net interest margin | 3.91% |
| Efficiency ratio | 55.33% |
| Yield on earning assets | 5.85% |
| Cost of funds | 2.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.60% |
| Core deposits to total deposits | 92.98% |
| Brokered deposits to total deposits | 4.22% |
| Deposits to assets | 85.37% |
| Securities to assets | 10.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.03% | 12.20% | 13.08% | 9.83% | 1.06% |
| Q4 2023 | 12.31% | 12.47% | 13.36% | 9.86% | 1.02% |
| Q1 2024 | 12.56% | 12.72% | 13.65% | 10.01% | 0.95% |
| Q2 2024 | 12.51% | 12.67% | 13.58% | 9.89% | 0.93% |
| Q3 2024 | 12.41% | 12.56% | 13.48% | 9.97% | 0.95% |
| Q4 2024 | 12.51% | 12.67% | 13.59% | 9.84% | 1.02% |
| Q1 2025 | 12.62% | 12.78% | 13.75% | 9.74% | 0.85% |
| Q2 2025 | 12.50% | 12.65% | 13.62% | 9.85% | 0.96% |
| Q3 2025 | 12.54% | 12.65% | 13.65% | 9.98% | 0.48% |
| Q4 2025 | 13.34% | 13.45% | 14.22% | 10.50% | 1.70% |
| Q1 2026 | 13.55% | 13.67% | 14.50% | 10.53% | 1.33% |
| Q2 2026 | 13.09% | 13.21% | 14.05% | 10.17% | 1.39% |
CNB Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)