CNB Bank, Inc.: 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.2% lower than in Q1 2026, at -$7.9M. CNB Bank, Inc. ranks 7th of 15 West Virginia banks on CET1 ratio, in the upper half at 14.56% (Q2 2026). CNB Bank, Inc. reported 14.56% on CET1 ratio for Q2 2026, 0.51 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.56% |
| Tier 1 risk-based capital ratio | 14.56% |
| Total risk-based capital ratio | 15.81% |
| Tier 1 leverage ratio | 9.50% |
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 | $76.6M |
| Tier 1 capital | $76.6M |
| Total risk-based capital | $83.2M |
| Total equity capital | $68.7M |
| Risk-weighted assets | $525.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.53% |
| Tangible equity to tangible assets | 8.53% |
| Equity capital to average assets | 8.52% |
| Internal capital growth rate | 12.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $19.8M |
| Retained earnings | $54.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.9M |
| 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 | 11.95% | 11.95% | 13.20% | 7.87% | $393.3M |
| Q4 2023 | 11.74% | 11.74% | 12.99% | 7.88% | $408.7M |
| Q1 2024 | 11.87% | 11.87% | 13.12% | 7.81% | $408.5M |
| Q2 2024 | 11.82% | 11.82% | 13.07% | 7.85% | $418.9M |
| Q3 2024 | 12.03% | 12.03% | 13.28% | 7.93% | $420.6M |
| Q4 2024 | 11.81% | 11.81% | 13.06% | 7.91% | $433.5M |
| Q1 2025 | 11.59% | 11.59% | 12.84% | 7.88% | $444.0M |
| Q2 2025 | 11.35% | 11.35% | 12.60% | 7.87% | $461.0M |
| Q3 2025 | 14.78% | 14.78% | 16.03% | 10.12% | $484.5M |
| Q4 2025 | 14.72% | 14.72% | 15.97% | 9.33% | $498.6M |
| Q1 2026 | 14.59% | 14.59% | 15.84% | 9.40% | $510.5M |
| Q2 2026 | 14.56% | 14.56% | 15.81% | 9.50% | $525.9M |
CNB Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14507) · FFIEC NIC profile (RSSD 944627)