CNB Bank, Inc.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2817.05 percentage points lower than in Q1 2026, at 1925.37%. Within West Virginia, CNB Bank, Inc. is 20th of 41 on return on assets, 1.18% as of Q2 2026, above the middle of the field. CNB Bank, Inc. reported 1.18% on return on assets for Q2 2026, 0.08 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.56% |
| Tier 1 risk-based capital ratio | 14.56% |
| Total risk-based capital ratio | 15.81% |
| Tier 1 leverage ratio | 9.50% |
| Equity capital to assets | 8.53% |
| Tangible equity to tangible assets | 8.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 0.67% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 1925.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 13.94% |
| Net interest margin | 3.52% |
| Efficiency ratio | 60.70% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.63% |
| Core deposits to total deposits | 89.65% |
| Brokered deposits to total deposits | 1.57% |
| Deposits to assets | 80.98% |
| Securities to assets | 22.68% |
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 | 11.95% | 11.95% | 13.20% | 7.87% | 0.28% |
| Q4 2023 | 11.74% | 11.74% | 12.99% | 7.88% | 0.79% |
| Q1 2024 | 11.87% | 11.87% | 13.12% | 7.81% | 0.67% |
| Q2 2024 | 11.82% | 11.82% | 13.07% | 7.85% | 0.80% |
| Q3 2024 | 12.03% | 12.03% | 13.28% | 7.93% | 0.68% |
| Q4 2024 | 11.81% | 11.81% | 13.06% | 7.91% | 0.51% |
| Q1 2025 | 11.59% | 11.59% | 12.84% | 7.88% | 0.53% |
| Q2 2025 | 11.35% | 11.35% | 12.60% | 7.87% | 0.77% |
| Q3 2025 | 14.78% | 14.78% | 16.03% | 10.12% | 0.89% |
| Q4 2025 | 14.72% | 14.72% | 15.97% | 9.33% | 0.92% |
| Q1 2026 | 14.59% | 14.59% | 15.84% | 9.40% | 0.92% |
| Q2 2026 | 14.56% | 14.56% | 15.81% | 9.50% | 1.18% |
CNB Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
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