CNB Community Bancorp, Inc. Reports Third Quarter 2026 Results
CNB Community Bancorp reported Q3 2026 net income of $2.7 million, down 15.5% YoY, with basic EPS of $1.35 versus $1.55 a year ago. The decline was driven by a $2.2 million provision for credit losses and $1.9 million in net charge-offs tied to two large commercial real estate credits totaling roughly $10 million now in workout; nonperforming loans rose 46.3% YoY to $27.5 million (2.42% of loans). Offsetting the credit hit, net interest margin expanded to 4.09%, net interest income grew 6.5% to $13.2 million, and pre-tax pre-provision net income rose 30.4% to $5.5 million, with management citing asset repricing as a Q4 margin tailwind.
Key figures
- Eps
- 1.35
- Revenue Yoy
- 0
- Eps 9m
- 4.45
- Nim 9m
- 4.06%
- Nim q3
- 4.09%
- Roa q3
- 0.79%
- Roe q3
- 9.52%
- Ppnp q3
- 5500000
- Net loans
- 1120000000
- Npl ratio
- 2.42%
- Provision q3
- 2200000
- Total assets
- 1350000000
- Net income 9m
- 8800000
- Net income q3
- 2700000
- Npl yoy growth
- 46.3%
- Total deposits
- 1120000000
- Allowance ratio
- 1.13%
- Eps q3 prior year
- 1.55
- Net charge offs q3
- 1900000
- Shares outstanding
- 2016453
- Nonperforming loans
- 27500000
- Book value per share
- 56.25
- Net interest income q3
- 13200000
- Net income q3 yoy change
- -15.5%
- Tangible book value per share
- 54.94
AI analysis
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