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

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

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

Loan Composition

Deposit Composition

*Note: Information shown is at the bank level
Loan Loss Provisions & Net Charge Offs

Tangible Common Equity/Tangible Assets

*Note: Information shown at bank level
Consolidated Balance Sheet

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