BlastPoint's Banking Scorecard
CNB Bank
Clearfield, PA
82 branches across PA · NY · OH · VA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +28.9% year over year ($7.2B on the books).
- Delinquency rate 0.85%.
- Return on assets 1.36%.
- Efficiency ratio 56.29% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.69% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CNB Bank shows strong momentum with 1 strength and 33.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.44% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.4B
+33.6% YoY
-1.0% QoQ
|
+$5.6B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 3.7% in tier |
| Total Loans ? |
$6.4B
+37.7% YoY
+1.3% QoQ
|
+$4.5B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 2.6% in tier |
| Total Deposits ? |
$7.2B
+28.9% YoY
-1.1% QoQ
|
+$4.9B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Top 2.6% in tier |
| Return on Assets ? |
1.36%
+50.4% YoY
+2.9% QoQ
|
-0.03% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.89%
+11.3% YoY
+2.2% QoQ
|
+0.02% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
56.29%
-15.2% YoY
-1.1% QoQ
|
-3.44% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
0.85%
+40.0% YoY
+17.6% QoQ
|
-0.02% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
89.69%
+6.8% YoY
+2.4% QoQ
|
+4.66% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
16.64%
-3.4% YoY
+1.9% QoQ
|
-4.63% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.69%
+45.4% YoY
+20.5% QoQ
|
+0.02% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
13.21%
+4.4% YoY
-3.4% QoQ
|
-1.63% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.24%
-11.5% YoY
+107.6% QoQ
|
-0.29% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
39% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.6%
-0.6pp YoY +0.3pp QoQ |
-4.7pp | 21.4% | 18.7% | 22.2% | 33% |
| Brokered Deposits |
4.2%
+0.9pp YoY 0.0pp QoQ |
-5.2pp | 9.5% | 6.8% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.8%
-1.4pp YoY +1.0pp QoQ |
-0.2pp | 14.0% | 8.6% | 12.5% | 62% |
| CRE |
48.0%
-2.7pp YoY -0.8pp QoQ |
-2.1pp | 50.0% | 37.9% | 41.4% | 44% |
| 1-4 Family |
33.4%
+5.3pp YoY -0.3pp QoQ |
+6.9pp | 26.4% | 47.8% | 31.3% | 72% |
| Consumer |
1.9%
-0.4pp YoY 0.0pp QoQ |
-2.8pp | 4.7% | 3.8% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.1%
+0.6pp YoY -0.5pp QoQ |
-2.5pp | 15.6% | 22.3% | 19.7% | 43% |
| Leverage Ratio |
10.2%
+0.3pp YoY -0.4pp QoQ |
-1.1pp | 11.3% | 13.2% | 12.6% | 41% |
| Total Capital Ratio |
14.0%
+0.4pp YoY -0.5pp QoQ |
-2.6pp | 16.7% | 23.3% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
927
+174 (+23.1%) YoY +13 (+1.4%) QoQ |
+613 | 313 | 299 | 482 | 97% |
| Assets per Employee ($) |
$9.1M
+8.5% YoY -2.3% QoQ |
-$1.4M | $10.5M | $9.2M | $8.8M | 54% |
| Branch Count |
82
+23 (+39.0%) YoY 0 QoQ |
+62 | 20 | 20 | 18 | 98% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 7% |
| Nonaccrual |
0.8%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.8% | 0.9% | 1.0% | 68% |
| Allowance Coverage |
1.20x
-26.7% YoY -15.6% QoQ |
-17.51x | 18.71x | 3.63x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.3%
+2.9pp YoY +0.4pp QoQ |
-0.3pp | 12.6% | 10.2% | 11.6% | 51% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.8% | 1.7% | 55% |
| Net Income ($, YTD) |
$57.4M
+102.9% YoY — QoQ |
+$38.2M | $19.2M | $18.2M | $40.4M | 95% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.