CNB Community Bancorp Inc · OTC:CNBB
CNB Community Bancorp — Investor Presentation (June 2025)
21 slides from CNB Community Bancorp's investor presentation, June 2025
Slide 1: CNB Headquarters | Hillsdale
CNB Headquarters | Hillsdale
Slide 2: Investor Presentation June 2025
OTCQX: CNBB Investor Presentation June 2025
Slide 3: Cautionary Note Regarding Forward-Looking Statements
Cautionary Note Regarding Forward-Looking Statements This presentation of CNB Community Bancorp, Inc. (the “Company” or “CNBB”) may contain forward-looking statements that are subject to risks and uncertainties. Any statements in this presentation about expectations, beliefs, plans, objectives, assu
Slide 4: Table of Contents
Table of Contents I Executive Summary 5 II Market Overview 10 III Financial Highlights 15 4
Slide 5: Executive Summary
MM Executive Summary fb Community Bancorp, Inc.
Slide 6: Overview
Overview • Shares of CNB Community Bancorp, Inc., trade on the top tier of over-the-counter markets designed for companies that are more investor-focused and transparent (OTCQX: CNBB) • County National Bank (“the Bank”) was established in 1934. In 2005, CNB Community Bancorp, Inc., formed and became
Slide 7: CNBB Share Price Performance
CNBB Share Price Performance Share Price Volume $60.00 30,000 $50.00 25,000 $40.00 20,000 $30.00 15,000 $20.00 10,000 $10.00 5,000 $- 0 Price Volume In the 3rd quarter of 2024, CNBB implemented/completed a buyback of 145,000 shares of stock at $38.50 Source: S&P Capital IQ Pro 7
Slide 8: CNBB Peer Group EPS
CNBB Peer Group EPS CNBB has grown EPS at a CAGR of ~11.3% for the last nine years (1). Over the same time frame, CNBB’s peers have grown EPS at a CAGR of ~9.7% (1, 2). 6.00 5.42 5.00 ~11.3% CAGR 4.00 3.00 2.89 2.00 1.00 0.00 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 CNBB-Basic EPS (FY)($) P
Slide 9: Experienced Management Team
Experienced Management Team Joseph R. Williams – President and Chief Executive Officer Years in Banking: 41 | at CNB: 3 Joe Williams is a graduate of Siena Heights University, holding a BA degree in Business Administration and AA degree in Accounting. He has also completed the Stonier Graduate Schoo
Slide 10: Market Overview
He Market Overview fb Community Bancorp, Inc. 10
Slide 11: Market Overview: Hillsdale County
Market Overview Hillsdale County • Population of 45,600 as of 2023 • Hillsdale County includes seven County National Bank locations • Median household income is $60,869/year • Hillsdale County is a rural community that blends a dense suburban feel with a friendly, small-town atmosphere • Hillsdale C
Slide 12: Market Overview: Jackson County
Market Overview Jackson County • Population of 159,400 as of 2023 • Jackson County includes seven County National Bank locations • Median household income is $65,000/year • Jackson County offers a blend of small-town feel with larger amenities • The County is largely supported by manufacturing, ener
Slide 13: Market Overview: Lenawee County
Market Overview Lenawee County • Population of 97,500 as of 2023 • Lenawee County includes three County National Bank branches • Median household income is $67,013/year • Lenawee County is a rural, small-town community in close proximity to larger cities • The County is largely supported by agricult
Slide 14: Market Overview: Kalamazoo & Ingham Counties
Market Overview Kalamazoo & Ingham Counties • Population of 262,200 as of 2023 • Population of 284,600 as of 2023 • Median household income is $70,525/year • Median household income is $64,354/year • Kalamazoo County is an urban community with a mix of city and • Ingham County is a diverse community
Slide 15: Financial Highlights
[Ty Financial Highlights fb Community Bancorp, Inc. 15
Slide 16: Recent Performance
Recent Performance Source: S&P Capital IQ Pro 16
Slide 17: Historical Consolidated Balance Sheet
Historical Consolidated Balance Sheet Source: S&P Capital IQ Pro 17
Slide 18: Historical Consolidated Income Statement
Historical Consolidated Income Statement Source: S&P Capital IQ Pro 18
Slide 19: Loan Composition
Loan Trends Loan Composition (in thousands) $1,200,000 8.7% CAGR $1,052,919 $1,045,934 $967,336 $1,000,000 $892,565 County National Bank $800,000 $803,769 as of 3/31/2025 Consumer $600,000 3.6% Residential Commercial $400,000 Real Estate 23.6% 16.4% $200,000 $1.05B $- Total Loans 12/31/2021 12/31/20
Slide 20: Deposit Composition
Deposit Trends Deposit Composition $1,140,000 $1,120,000 (in thousands) $1,123,991 2.3% CAGR County National Bank $1,097,135 $1,100,000 as of 3/31/25 Noninterest-bearing demand $1,080,000 $1,073,388 Time $202,981 $1,063,325 $180,991 $1,060,000 $1,044,979 $1,040,000 Savings $1,020,000 $1.12B $145,752
Slide 21: Investment Portfolio
Investment Portfolio Investment Concentration Other Securities 7.0% Structured Products 7.0% US Treasuries 15.9% Municipals 14.4% RMBS CMOs 3.4% 52.4% Source: LakeHouse Analytics, Company documents | Note: Bank-level data shown as of March 31, 2025 (1) Total return calculations based on Performance
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