BlastPoint's Banking Scorecard

CNB Bank

$1B-$10B Specialty: Commercial PA FDIC cert 13876

Clearfield, PA

82 branches across PA · NY · OH · VA

884 banks in the $1B-$10B peer group nationally 37 in PA

CNB Bank shows strong momentum with 2 strengths and 35.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 4.16% below tier average
+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$8.5B +35.4% YoY +1.5% QoQ	+$5.7B	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	Top 3.5% in tier
Total Loans ?	$6.4B +39.6% YoY -0.9% QoQ	+$4.4B	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	Top 2.9% in tier
Total Deposits ?	$7.3B +30.5% YoY +1.8% QoQ	+$4.9B	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	Top 2.1% in tier
Return on Assets ?	1.32% +54.5% YoY +27.4% QoQ	-0.04%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.81% +12.9% YoY +1.9% QoQ	-0.01%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	56.90% -17.2% YoY -12.5% QoQ	-4.16%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.72% -39.1% YoY +17.6% QoQ	-0.17%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	87.60% +7.0% YoY -2.7% QoQ	+3.40%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	16.33% -3.9% YoY +2.5% QoQ	-4.96%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.57% -35.2% YoY +15.4% QoQ	-0.10%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	13.67% +6.9% YoY +1.6% QoQ	-1.49%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.12% -15.6% YoY -74.1% QoQ	-0.14%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Total Deposits

size

Value: $7.26B

Peer Median: $2.34B

#20 of 884 Top 2.1% in $1B-$10B

Total Loans

size

Value: $6.36B

Peer Median: $1.96B

#27 of 884 Top 2.9% in $1B-$10B

Total Assets

size

Value: $8.50B

Peer Median: $2.82B

#32 of 884 Top 3.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available