CNB Bank: how it compares with its peers
Against 8 PA banks with half to twice its assets, CNB Bank's strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $8.7M peer median). Its weakest relative measure is net interest margin (3.89% vs. 3.92%).
| Measure | CNB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.36% | 1.34% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.92% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.29% | 54.86% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $8.7M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.69% | 95.09% | Context |
What it means for lending operations
Its efficiency ratio of 56.29% is above the 54.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Univest Bank and Trust Co. Souderton, PA · $8.17B
- Mid Penn Bank Millersburg, PA · $7.04B
- S&T Bank Indiana, PA · $9.94B
- Firstrust Savings Bank Conshohocken, PA · $5.62B
- Orrstown Bank Harrisburg, PA · $5.61B
- Peoples Security Bank and Trust Company Dunmore, PA · $5.43B
Questions about CNB Bank
How big is CNB Bank?
CNB Bank, established in 1934, is headquartered in Clearfield, PA. It reported $8.41B in total assets in its Q2 2026 FDIC call report and operates 82 offices.
What is CNB Bank's return on assets?
1.36% annualized in Q2 2026, against a 1.34% median for 8 PA banks with half to twice its assets, ahead of 50% of them.
What is CNB Bank's efficiency ratio?
56.29% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 54.86%, and lower is better.
Is CNB Bank growing its loans?
Net loans grew 37.7% over the year to Q2 2026, while deposits grew 28.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.