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CNB COMMUNITY BANCORP, INC. REPORTS SECOND QUARTER 2025 RESULTS

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CNB Community Bancorp (OTCQX: CNBB) reported strong Q2 2025 financial results, with net income reaching $3.0 million, up 2.8% from Q2 2024. The company's basic earnings per share increased to $1.48, up from $1.35 year-over-year.

Key financial metrics include total assets of $1.28 billion (up 2.6% YoY), net loans of $1.06 billion (up 4.7% YoY), and total deposits of $1.10 billion (up 5.4% YoY). Book value per share grew significantly to $51.15, representing a 10.9% increase from the previous year.

The growth was primarily driven by increased net interest income and higher Wealth Management income, though partially offset by rising compensation, benefits, and operational expenses. The company maintained stable performance with ROA at 0.95% and ROE at 11.71% for Q2 2025.

CNB Community Bancorp (OTCQX: CNBB) ha riportato solidi risultati finanziari nel secondo trimestre del 2025, con un utile netto pari a 3,0 milioni di dollari, in aumento del 2,8% rispetto al secondo trimestre del 2024. L'utile base per azione è salito a 1,48 dollari, rispetto a 1,35 dollari dell'anno precedente.

I principali indicatori finanziari includono attività totali per 1,28 miliardi di dollari (in crescita del 2,6% su base annua), prestiti netti per 1,06 miliardi di dollari (in aumento del 4,7% su base annua) e depositi totali pari a 1,10 miliardi di dollari (in crescita del 5,4% su base annua). Il valore contabile per azione è cresciuto significativamente a 51,15 dollari, con un incremento del 10,9% rispetto all'anno precedente.

La crescita è stata principalmente guidata dall’aumento del reddito netto da interessi e dai maggiori ricavi nella gestione patrimoniale, parzialmente compensati dall’incremento delle spese per compensi, benefici e costi operativi. L’azienda ha mantenuto una performance stabile con un ROA dello 0,95% e un ROE dell�11,71% nel secondo trimestre del 2025.

CNB Community Bancorp (OTCQX: CNBB) reportó sólidos resultados financieros en el segundo trimestre de 2025, con un ingreso neto de 3,0 millones de dólares, un aumento del 2,8% respecto al segundo trimestre de 2024. Las ganancias básicas por acción aumentaron a 1,48 dólares, frente a 1,35 dólares interanuales.

Los principales indicadores financieros incluyen activos totales por 1,28 mil millones de dólares (aumento del 2,6% interanual), préstamos netos por 1,06 mil millones de dólares (incremento del 4,7% interanual) y depósitos totales de 1,10 mil millones de dólares (crecimiento del 5,4% interanual). El valor contable por acción creció significativamente hasta 51,15 dólares, lo que representa un aumento del 10,9% respecto al año anterior.

El crecimiento se debió principalmente al aumento del ingreso neto por intereses y mayores ingresos en la gestión patrimonial, aunque fue parcialmente compensado por el incremento en compensaciones, beneficios y gastos operativos. La compañía mantuvo un desempeño estable con un ROA del 0,95% y un ROE del 11,71% en el segundo trimestre de 2025.

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ì„±ìž¥ì€ ì£¼ë¡œ 순ì´ìžìˆ˜ì� ì¦ê°€ì™€ ìžì‚°ê´€ë¦� ìˆ˜ìµ ìƒìйì—� 힘입었으ë©�, 다만 ë³´ìƒ, ë³µë¦¬í›„ìƒ ë°� ìš´ì˜ë¹� ì¦ê°€ë¡� ì¼ë¶€ ìƒì‡„ë˜ì—ˆìŠµë‹ˆë‹�. 회사ëŠ� 2025ë…� 2분기 ROA 0.95%, ROE 11.71%ë¡� 안정ì ì¸ 성과ë¥� 유지했습니다.

CNB Community Bancorp (OTCQX : CNBB) a annoncé de solides résultats financiers pour le deuxième trimestre 2025, avec un bénéfice net atteignant 3,0 millions de dollars, en hausse de 2,8 % par rapport au deuxième trimestre 2024. Le bénéfice de base par action a augmenté pour atteindre 1,48 dollar, contre 1,35 dollar un an plus tôt.

Les principaux indicateurs financiers comprennent un total d'actifs de 1,28 milliard de dollars (en hausse de 2,6 % en glissement annuel), des prêts nets de 1,06 milliard de dollars (en hausse de 4,7 % en glissement annuel) et un total des dépôts de 1,10 milliard de dollars (en hausse de 5,4 % en glissement annuel). La valeur comptable par action a fortement augmenté pour atteindre 51,15 dollars, soit une hausse de 10,9 % par rapport à l'année précédente.

Cette croissance a été principalement portée par l'augmentation du revenu net d'intérêts et des revenus plus élevés en gestion de patrimoine, bien que partiellement compensée par la hausse des dépenses en rémunérations, avantages sociaux et frais opérationnels. La société a maintenu une performance stable avec un ROA de 0,95 % et un ROE de 11,71 % pour le deuxième trimestre 2025.

CNB Community Bancorp (OTCQX: CNBB) meldete starke Finanzergebnisse für das zweite Quartal 2025, mit einem Nettogewinn von 3,0 Millionen US-Dollar, was einer Steigerung von 2,8 % gegenüber dem zweiten Quartal 2024 entspricht. Das Ergebnis je Aktie stieg auf 1,48 US-Dollar, verglichen mit 1,35 US-Dollar im Vorjahreszeitraum.

Wichtige Finanzkennzahlen umfassen Gesamtvermögen von 1,28 Milliarden US-Dollar (plus 2,6 % im Jahresvergleich), Nettokredite von 1,06 Milliarden US-Dollar (plus 4,7 % im Jahresvergleich) und Gesamteinlagen von 1,10 Milliarden US-Dollar (plus 5,4 % im Jahresvergleich). Der Buchwert je Aktie stieg deutlich auf 51,15 US-Dollar, was einem Anstieg von 10,9 % gegenüber dem Vorjahr entspricht.

Das Wachstum wurde hauptsächlich durch höhere Nettozinserträge und gesteigerte Erträge im Wealth Management angetrieben, wurde jedoch teilweise durch steigende Aufwendungen für Vergütungen, Sozialleistungen und Betriebskosten ausgeglichen. Das Unternehmen erzielte im zweiten Quartal 2025 stabile Ergebnisse mit einer Gesamtkapitalrendite (ROA) von 0,95 % und einer Eigenkapitalrendite (ROE) von 11,71 %.

Positive
  • Net income increased by 2.8% to $3.0 million in Q2 2025
  • Book value per share grew 10.9% YoY to $51.15
  • Total deposits increased 5.4% YoY to $1.10 billion
  • Net loans grew 4.7% YoY to $1.06 billion
  • Wealth Management income increased by $220,000
Negative
  • ROA decreased to 0.95% from 0.96% YoY in Q2
  • ROE declined to 11.71% from 11.98% YoY in Q2
  • Increased operational costs in compensation, benefits, and equipment expenses
  • Total assets decreased by $4.7 million (0.4%) from December 2024

HILLSDALE, Mich., July 11, 2025 /PRNewswire/ -- CNB Community Bancorp, Inc. (OTCQX: CNBB), the parent company of County National Bank, today announced earnings for the three and six months ended June 30, 2025. Earnings during the second quarter of 2025 totaled $3.0 million, an increase of $82,000 or 2.8% ³¦´Ç³¾±è²¹°ù±ð»åÌý³Ù´ÇÌý³Ù³ó±ðÌý$2.9 million earned during the three months ended June 30, 2024. The increase in net income was the result of an increase in net interest income as well as noninterest income, specifically driven by an increase of $220,000 in Wealth Management income somewhat offset by increases in noninterest expense associated with compensation and benefits as well as occupancy and equipment expenses. Basic earnings per share for CNB Community Bancorp, Inc. (the "Company") increased to $1.48 during the three months ended June 30, 2025, up $0.13 from $1.35 for the second quarter of 2024. For the six months ended June 30, 2025, the Company reported net income of $5.7 million, which was consistent with the $5.7 million earned during the six months ended June 30, 2024, predominately resultant from an increase in Wealth Management income and net interest income offset by increases in employee, data communications, and fixed asset costs. Basic earnings per share increased to $2.78 during the six months ended June 30, 2025, up $0.17 from $2.61 for the first six months of 2024.

The annualized return on average assets ("ROA") decreased to 0.95% for the three months ended June 30, 2025, down a single basis point from 0.96% for the three months ended June 30, 2024. The annualized return on average equity ("ROE") decreased to 11.71% for the current quarter, down from 11.98% for the second quarter of 2024. ROA declined to 0.89% for the six months ended June 30, 2025, down three basis points from the 0.92% during the first six months of 2024. ROE was 11.27% during the first half of 2025, down from 11.73% during the six-month period ended June 30, 2024. Book value per share increased to $51.15 at June 30, 2025, up $5.01 from $46.14 at June 30, 2024.

Joseph R. Williams, President and Chief Executive Officer of CNB Community Bancorp, Inc. and County National Bank, commented, "Our ongoing financial strength fortifies us as we navigate the current turbulent economic and political times. This financial strength allows CNB to continue to gather deposits and lend them out in all of the communities we serve. Furthermore, we have built a solid capital position, which allows for the recent increases in dividends to our shareholders, thus continuing a tradition of providing those shareholders a quality return on their investments. We inherently believe that our community banking philosophy and passionate focus on meeting clients' needs are instrumental to our continued success thus our bankers will continue to consult with all current and potential clients on their businesses and remain steadfast with our focus of growing our communities."

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  • Total assets increased $32.3 million from June 30, 2024, or 2.6%, to $1.28 billion, and decreased by $4.7 million, or 0.4% from December 31, 2024.
  • Net loans increased $47.8 million, or 4.7%, to $1.06 billion at June 30, 2025, compared to $1.01 billion at June 30, 2024, and increased $23.9 million, or 2.3%, from December 31, 2024.
  • Total deposits increased $56.3 million, or 5.4%, to $1.10 billion at June 30, 2025, from $1.05 billion at June 30, 2024, and increased $4.9 million, or 0.4%, from December 31, 2024.
  • Book value per share increased $5.01, or 10.9%, to $51.15 at June 30, 2025, up from $46.14 at June 30, 2024 and up $2.50 from $48.65 at December 31, 2024.
  • Total equity increased $4.4 million to $104.8 million from June 30, 2024.
  • Net income increased $82,000, or 2.8%, to $3.0 million in the second quarter of 2025, and basic EPS increased $0.13, or 9.3%, to $1.48 from $1.35 in the second quarter of 2024.
  • Net interest income for the second quarter of 2025 increased $782,000 to $11.7 million from the second quarter of 2024.
  • Pre-tax, pre-provision income increased to $3.9 million in the second quarter of 2025 from $3.8 in the second quarter of 2024 or 3.0%.

About CNB Community Bancorp Inc.
CNB Community Bancorp, Inc. (OTCQX:CNBB) is a one-bank holding company formed in 2005. Its subsidiary bank, County National Bank, is a nationally chartered full-service bank, which has served its local communities since its founding in 1934. CNB Community Bancorp, Inc. is headquartered in Hillsdale, Michigan and through its subsidiary bank offers banking products along with investment management and trust services to communities located throughout southern Michigan.

Safe Harbor Statement
This news release and other releases and reports issued by the Company may contain "forward-looking statements." The Company cautions readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The Company is including this statement for purposes of taking advantage of the safe-harbor provisions of the Private Securities Litigation Reform Act of 1995.

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SOURCE CNB Community Bancorp, Inc.

FAQ

What were CNBB's Q2 2025 earnings per share?

CNB Community Bancorp reported basic earnings per share of $1.48 for Q2 2025, an increase of $0.13 from $1.35 in Q2 2024.

How much did CNBB's total deposits grow in Q2 2025?

CNBB's total deposits increased by $56.3 million or 5.4% year-over-year to $1.10 billion at June 30, 2025.

What was CNBB's book value per share in Q2 2025?

CNBB's book value per share reached $51.15 at June 30, 2025, representing a significant increase of $5.01 or 10.9% from $46.14 in the previous year.

How did CNBB's ROA and ROE perform in Q2 2025?

CNBB's Return on Assets (ROA) slightly decreased to 0.95% from 0.96%, while Return on Equity (ROE) declined to 11.71% from 11.98% compared to Q2 2024.

What drove CNBB's earnings growth in Q2 2025?

The earnings growth was primarily driven by increased net interest income and a $220,000 increase in Wealth Management income, partially offset by higher compensation and operational expenses.
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