CNB Community Bancorp Inc · OTC:CNBB
CNB Community Bancorp — Shareholder Meeting (May 2025)
22 slides from CNB Community Bancorp's shareholder meeting presentation, May 14, 2025
Slide 1: 2024 Annual Meeting - 90 Years CNB Community Bancorp, Inc.
Slide 2: Welcome to the Annual Meeting of Shareholders
Welcome to the Annual Meeting of Shareholders May 14, 2025
Slide 3: Craig S. Connor, Chairman of the Board
Craig S. Connor Chairman of the Board
Slide 4: Board of Directors
Board of Directors JOHN E. BARRETT JOHN P. LOVINGER CRAIG S. CONNOR STEPHEN J. MADDALENA JOSEPH B. DUNIGAN STEVEN A. WELLS TOBIN J. DUNIGAN JOSEPH R. WILLIAMS JUDY R. GABRIELE
Slide 5: Joe Dunigan
Joe Dunigan CNB Board of Directors: 2013 - 2025
Slide 6: Welcome Tobin Dunigan
Welcome Tobin Dunigan CNB Board of Directors: 2025 -
Slide 7: Erik A. Lawson, CFO
Erik A. Lawson CFO
Slide 8: Forward-looking statements
Statements or comments made at this meeting may be forward-looking statements. Forward-looking statements may include but are not necessarily limited to financial projections or other statements of the company’s plans, objectives, expectations or intentions. These matters involve certain risks and u
Slide 9: 12/31/2024 Snapshot
12/31/2024 Snapshot Ticker (OTCQX) CNBB Tangible Book Value Total Assets Per Share $1.28 billion $47.39 Total Loans, net Dividends Per Share $1.03 billion $1.37 Deposits Share Price $1.10 billion $41.85 Market Cap $83.00 million as of 04/30/2025
Slide 10: Trends
Trends (in 000’s) $1,097,135 $1,073,388 Total Deposits $1,063,325 $1,044,979 $840,163 $1,033,049 $954,574 Total Net Loans $880,080 $791,530 $761,178 $1,280,293 $1,245,961 Total Assets $1,165,301 $1,148,885 $937,908 2024 2023 2022 2021 2020
Slide 11: Net Loan Growth & Portfolio Yield
Net Loan Growth & Portfolio Yield (in 000’s) 5.87% 5.37% $591,981 4.84% 4.51% 4.59% $515,904 $473,351 $420,681 $345,258 $265,839 $243,374 $244,964 $215,254 $229,540 $165,899 $170,191 $150,358 $124,068 $130,070 $38,396 $37,765 $39,316 $40,787 $38,357 2020 2021 2022 2023 2024 Commercial includes PPP l
Slide 12: Deposit Growth & Cost of Deposits
Deposit Growth & Cost of Deposits (in 000’s) 2.38% $692,455 $705,638 $694,016 $662,342 1.96% $511,683 $266,971 $273,701 $229,351 0.58% $224,546 $218,553 0.44% $184,566 0.36% $143,204 $127,282 $99,129 $85,553 2020 2021 2022 2023 2024 Noninterest-bearing DDA Interest-bearing Transactional Time Deposit
Slide 13: NIM, Yield on Earning Assets, Cost of Funds & Fed Funds Rate
NIM, Yield on Earnings Assets, Cost of Funds, & Effective Fed Funds Rate* 2024 5.33% 5.58% 5.03% 2023 4.33% 4.33% 4.31% 3.82% 3.90% 3.62% 3.76% 3.56% 2022 3.52% 3.67% 2021 2.02% 1.52% 2020 0.09% 0.08% 0.43% 0.27% 0.32% 2020 2021 2022 2023 2024 NIM Yield on Earnings Assets Cost of Funds w/borrowings
Slide 14: Earnings, Tangible Book Value, Market Value & Book Value Per Share
Earnings, Tangible Book Value, Market Value, & Book Value Per Share $48.65 $43.11 $43.91 $47.39 $41.47 $41.85 $42.72 $37.63 $40.77 $33.76 $39.58 $35.36 $36.42 $32.54 $31.12 $4.77 $5.36 $5.68 $4.91 $5.42 2020 2021 2022 2023 2024 Tangible Book Value Per Share Book Value Per Share Market Value Per Shar
Slide 15: CNBB vs. S&P US BMI Banks Index — Total Return
CNBB vs. S&P US BMI Banks Index — Total Return Total Return (Monthly) Comparison 3/31/2025 CNBB: 115.87% 3/31/2025 S&P Banks 64.89% e & a 5 2 E 2 3 fa 3 S 2 4/2019 11112026 14/2021 4141/2022 S&P US BMI Index - Total Retum (%) | —=CNBB - Total Return (%) PERFORMANCE TRUST
Slide 16: Joseph R. Williams, President/CEO
Joseph R. Williams President/CEO
Slide 17: 2025 Officer Retirements
Our People 2025 Officer Retirements April 2025 April 2025 June 2025 December 2025 Ron Haber Jeff Jackson Kelly Lantis Kathy McCrate RVP – Commercial Loan Officer AVP – Consumer Loan Officer VP – Hillsdale Market Executive & VP – Chief Risk Officer Private Banking Officer
Slide 18: Our Communities
Our Communities Over $257M Community Contributions/Sponsorships 4,100 Volunteer Hours by CNB Associates 190 Organizations Served by CNB Associates $71.5M Community Contributions by CNB Foundation
Slide 19: Lansing Loan Production Office
Lansing Loan Production Office
Slide 20: Key Strategic Initiatives for 2025/2026
Key Strategic Initiatives for 2025/2026 • Technology Main Core Platform Review Digital Playbook for the Future • Consumer Lending Platform – Implement Ncino • Analysis and Review of Non Interest Income and Non Interest Expense • Compensation and Benefits Review by The Blanchard Group • Opportunities
Slide 21: Questions or Comments?
Questions or Comments?
Slide 22: Thank you for joining us!
Thank you for joining us!
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