FDIC Digital Signage
Shareholder Information

Company Profile

Company Profile

CNB At A Glance

  • Headquarters
  • Hillsdale, MI
  • Established
  • 1934
  • Ticker (OTCQX)
  • CNBB
  • Assets
  • $1,319.7 million
  • Loans, net
  • $1.093.2 million
  • Deposits
  • $1,117.5 million
  • Consolidated Equity / BV per Share
  • $107.8 million / $53.69
  • YTD Return on Average Assets
  • 0.93%
  • YTD Return on Average Equity
  • 11.66%
  • Cost of Funds *
  • 1.94%
  • Net Interest Margin (FTE)*
  • 3.91%
  • Efficiency Ratio (FTE)*
  • 67.80%
  • Loans / Deposits
  • 97.97%
  • NPAs (excl. TDRs)/Assets *
  • 1.22%
  • Shares Outstanding
  • 2,038,598

CNB Geographic Footprint

CNB Geographic Footprint

Note: Financial data as of December 31, 2025, except where otherwise noted.
* Denotes bank level information as of the fourth quarter of 2025.

State of Michigan (Market Share)

State of Michigan
Rank Institution Number of Branches Total Deposits ($000) Total Market Share (%)
1 Independent Bank Corp. (MI) 59 4,732,678 1.56%
2 Mercantile Bank Corp. (MI) 42 4,730,212 1.56%
3 Northpointe Bancshares Inc. (MI) 1 4,497,059 1.48%
4 ChoiceOne Financial Services (MI) 3 3,739,240 1.23%
4 Arbor Bancorp Inc. (MI) 53 3,594,066 1.18%
6 Isabella Bank Corporation (MI) 19 2,659,681 0.88%
7 Northstar Financial Group Inc. (MI) 31 1,878,183 0.62%
8 Southern Michigan Bancorp Inc. (MI) 19 1,790,972 0.59%
9 First State Financial Corp. (MI) 21 1,310,7032 0.43%
10 Dart Financial Corp. (MI) 11 1,168,433 0.38%
11 First National Bancshares Inc. (MI) 12 1,152,249 0.38%
12 CNB Community Bancorp Inc. (MI) 18 1,103,946 0.36%
13 Sturgis Bancorp (MI) 18 882,522 0.29%
14 University Bankcorp Inc. (MI) 2 878,949 0.29%
15 United Bank Financial Corp. (MI) 13 863,664 0.28%
16 Keweenaw Financial Corporation (MI) 12 842,037 0.28%
  Total For Institutions In Market 1,967 303,631,627  

Primary Markets (Market Share)

Primary Markets
Rank Institution Number of Branches Total Deposits ($000) Total Market Share (%)
  Hillsdale, MI      
1 CNB Community Bancorp Inc. (MI) 5 440,558 56.69%
2 Southern Michigan Bancorp Inc. (MI) 1 137,236 17.66%
3 Fifth Third Bancorp (OH) 1 86,785 11.17%
4 Flagstar Bank (NY) 1 85,007 10.94%
5 Century Financial Corp. (MI) 2 27,560 3.55%
  Total For Institutions In Market 10 777,146  
         
  Jackson, MI      
1 Flagstar Bank (NY) 7 620,807 26.90%
2 Comerica Inc. (TX) 4 456,689 19.79%
3 CNB Community Bancorp Inc. (MI) 7 430,975 18.67%
4 Huntington Bancshares Inc. (OH) 4 369,351 16.00%
5 Fifth Third Bancorp (OH) 1 91,055 3.94%
6 Southern Michigan Bancorp Inc. (MI) 3 66,297 2.87%
7 Bank Michigan Financial Corp. (MI) 1 56,147 2.43%
8 The PNC Fint Svcs Grp (PA) 1 54,711 2.37%
9 Independent Bank Corp. (MI) 1 54,389 2.36%
10 Old National Bancorp (IN) 1 53,022 2.30%
11 ChoiceOne Financial Services (MI) 2 43,331 1.88%
12 Homestead SB (MI) 1 10,955 0.47%
13 CSB Bancorp (MI) 1 426 0.02%
  Total For Institutions In Market 34 2,308,155  
         
  Lenawee, MI      
1 WesBanco Inc. (WV) 5 437,497 30.33%
2 Old National Bancorp (IN) 3 374,584 25.97%
3 CNB Community Bancorp Inc. (MI) 3 182,061 12.62%
4 Huntington Bancshares Inc. (OH) 2 164,514 11.41%
5 KeyCorp (OH) 2 151,638 10.51%
6 Blissfield Bank Corp. (MI) 1 105,252 7.30%
7 Bank Michigan Financial Corp. (MI) 1 26,897 1.86%
  Total For Institutions In Market 17 1,442,443  

Investment Considerations

  • 12th largest bank headquartered, ranked by deposits, in Michigan with focus on local communities it serves
  • #1 in deposit market share (over 57%) in Hillsdale County and #3 market share in Jackson County
  • Experienced management team and board of directors, with vast knowledge of local markets
  • The Company is focused on building shareholder value and returning a share of profits to the shareholders
  • Focus on long-term success of its shareholders, customers, employees and community
  • Strong credit quality is heavily tied to the Bank’s conservative underwriting processes

*The market share data displayed is for CNB Community Bancorp, Inc.
*Deposit information taken from S&P Global Market Integlligence as of June 30, 2025. Michigan total includes all deposits in state of Michigan, including out of state banks.

Net Interest Margin & Efficiency Ratio

Net Interest Margin & Efficiency Ratio

Earnings, Tangible Book Value, & Book Value Per Share

Earnings, Tangible Book Value, & Book Value Per Share

* Note: Net interest margin and efficiency ratio are at the bank level.

Book Value and Dividends Per Share

Book Value and Dividends Per Share

Loan Composition

Loan Composition

Deposit Composition

Deposit Composition

*Note: Information shown is at the bank level

Loan Loss Provisions & Net Charge Offs

Loan Loss Provisions & Net Charge Offs

Tangible Common Equity/Tangible Assets

Tangible Common Equity/Tangible Assets

*Note: Information shown at bank level

Consolidated Balance Sheet

Consolidated Balance Sheet

Consolidated Income Statement

Consolidated Income Statement

Consolidated Income Statement Highlights

  • CNB has a consistent stream of interest and noninterest income that allows for predictable profitability and a consistent dividend stream to its shareholders
  • CNB has averaged a 32.0% dividend payout ratio since 2013
  • The Company has achieved double digit returns on equity each of the last eight years, effectively managing its growth prospects and shareholder returns