CNB Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CNB Bank, Inc. of Berkeley Springs, WV against its peer group of 2672 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 | 1.18% | 1.34% | -0.16% | 43rd below |
| ROAE | 13.94% | 13.31% | +0.63% | 60th above |
| Net Interest Margin | 3.52% | 3.93% | -0.41% | 28th below |
| Efficiency Ratio | 60.70% | 61.14% | -0.44% | 52nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.63% | 1.68% | -0.05% | 52nd above |
| Yield on Earning Assets | 5.33% | 5.67% | -0.34% | 37th below |
| Cost of Funds | 1.97% | 1.88% | +0.09% | 39th below |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 79th top |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 1925.37% | 1538.34% | +387.03% | — |
| Texas Ratio | 0.67% | 7.34% | -6.67% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.56% | 19.51% | -4.95% | 45th below |
| Tier 1 Ratio | 14.56% | 19.54% | -4.98% | 44th below |
| Total Capital Ratio | 15.81% | 20.63% | -4.82% | 46th below |
| Leverage Ratio | 9.50% | 12.14% | -2.64% | 21st bottom |
| Equity / Assets | 8.53% | 11.38% | -2.85% | 20th bottom |
| TCE / Tangible Assets | 8.53% | 11.10% | -2.57% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.63% | 80.63% | +9.00% | 29th below |
| Core Deposit Ratio | 89.65% | 86.86% | +2.79% | 53rd above |
| Wholesale Funding Ratio | 9.25% | 5.03% | +4.22% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.59% | 6.84% | +12.75% | 94th top |
| Loan Growth (Y/Y) | 10.61% | 7.90% | +2.71% | 76th top |
| Deposit Growth (Y/Y) | 8.33% | 6.29% | +2.04% | 77th top |
See CNB Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CNB Bank, Inc., 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, Inc. profile, how to read a UBPR, or how this data updates.