CB金融服務公司第二季淨利增9%至430萬美元 上半年盈利升39%

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Table of Contents

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549
FORM 10-Q
(Mark One)

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2026 
OR

☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from __________ to __________
Commission file number: 001-36706

CB FINANCIAL SERVICES, INC.
(Exact name of registrant as specified in its charter)

Pennsylvania51-0534721
(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)

100 N. Market Street, Carmichaels, PA
15320
(Address of principal executive offices)(Zip Code)

(724) 966-5041

(Registrant’s telephone number, including area code)

N/A
(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Common stock, par value $0.4167 per shareCBFVThe Nasdaq Stock Market, LLC
(Title of each class)(Trading symbol)(Name of each exchange on which registered)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐
Accelerated filer ☐

Non-accelerated filer ☒
Smaller reporting company ☒

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒
As of August 5, 2026, the number of shares outstanding of the Registrant’s Common Stock was 5,081,584.

Table of Contents

FORM 10-Q
INDEX

Page

PART I – CONDENSED FINANCIAL INFORMATION

Item 1. Financial Statements (Unaudited)
1

Consolidated Statements of Financial Condition
1

Consolidated Statements of Income
2

Consolidated Statements of Comprehensive Income
3

Consolidated Statements of Changes In Stockholders’ Equity
4

Consolidated Statements of Cash Flows
6

Notes to the Consolidated Financial Statements (Unaudited)
8

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations.
31

Item 3. Quantitative and Qualitative Disclosure about Market Risk.
44

Item 4. Controls and Procedures.
45

PART II - OTHER INFORMATION

Item 1. Legal Proceedings.
47

Item 1A. Risk Factors.
47

Item 2. Unregistered Sales of Equity Securities, Use of Proceeds and Issuer Purchases of Equity Securities.
47

Item 3. Defaults Upon Senior Securities.
47

Item 4. Mine Safety Disclosures.
47

Item 5. Other Information.
47

Item 6. Exhibits
48

SIGNATURES
49

Table of Contents

PART I – FINANCIAL INFORMATION

Item 1. Financial Statements.

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Unaudited) June 30,
2026December 31,
2025
(Dollars in Thousands, except per share and share data)

ASSETS

Cash and Due From Banks:

Interest-Earning$62,881 $18,374 
Noninterest-Earning13,209 13,319 
Total Cash and Due From Banks76,090 31,693 

Securities:
Available-for-Sale Debt Securities, at Fair Value324,655 278,986 
Equity Securities, at Fair Value899 909 
Total Securities325,554 279,895 

Loans, Net of Allowance for Credit Losses of $10,451 and $10,116 at June 30, 2026 and December 31, 2025, Respectively
1,169,270 1,152,144 

Premises and Equipment, Net
19,069 19,646 
Bank-Owned Life Insurance
25,127 24,812 
Goodwill
9,732 9,732 

Accrued Interest Receivable and Other Assets31,578 29,771 
TOTAL ASSETS
$1,656,420 $1,547,693 

LIABILITIES

Deposits:

Noninterest-Bearing Demand Accounts$286,623 $291,745 
Interest-Bearing Demand Accounts460,197 357,134 
Money Market Accounts220,812 209,166 
Savings Accounts168,948 169,307 
Time Deposits209,847 213,953 
Brokered Deposits33,633 98,500 
Total Deposits1,380,060 1,339,805 

Short-Term Borrowings
65,000 — 
Other Borrowings
34,778 34,758 
Accrued Interest Payable and Other Liabilities14,485 15,593 
TOTAL LIABILITIES
1,494,323 1,390,156 

STOCKHOLDERS' EQUITY

Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,877,305 Shares Issued and 5,080,438 Shares Outstanding at June 30, 2026, with 5,835,325 and 5,036,509 Shares Issued and Outstanding at December 31, 2025.
2,449 2,432 
Capital Surplus
88,385 87,644 
Retained Earnings
95,963 90,625 
Treasury Stock, at Cost (796,867 and 798,816 Shares at June 30, 2026 and December 31, 2025, Respectively)
(19,791)(19,752)
Accumulated Other Comprehensive Loss(4,909)(3,412)
TOTAL STOCKHOLDERS' EQUITY
162,097 157,537 
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
$1,656,420 $1,547,693 

The accompanying notes are an integral part of these consolidated financial statements

1

Table of Contents

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

Three Months Ended
June 30,Six Months Ended
June 30,
2026202520262025
(Dollars in Thousands, except share and per share data)

INTEREST AND DIVIDEND INCOME
Loans, Including Fees$16,177 $15,492 $32,134 $30,020 
Investment Securities:
Taxable3,351 2,860 6,351 5,637 
Tax-Exempt452 — 868 — 
Dividends7 9 14 37 
Other Interest and Dividend Income919 399 1,192 912 
TOTAL INTEREST AND DIVIDEND INCOME20,906 18,760 40,559 36,606 
INTEREST EXPENSE
Deposits5,940 5,721 11,172 11,833 
Short-Term Borrowings70 108 258 131 
Other Borrowings362 391 721 792 
TOTAL INTEREST EXPENSE6,372 6,220 12,151 12,756 
NET INTEREST AND DIVIDEND INCOME14,534 12,540 28,408 23,850 
Provision (Recovery) for Credit Losses - Loans157 (136)385 (68)
(Recovery) Provision for Credit Losses - Unfunded Commitments(140)144 (126)36 
NET INTEREST AND DIVIDEND INCOME AFTER NET PROVISION (RECOVERY) FOR CREDIT LOSSES14,517 12,532 28,149 23,882 
NONINTEREST INCOME
Service Fees582 559 1,136 1,021 
Commissions75 67 152 131 
Net Gain on Sale of Loans45 26 56 49 
Net Loss on Investment Securities(18)— (10)(69)
Net Gain on Purchased Tax Credits10 4 21 7 

Income from Bank-Owned Life Insurance163 148 315 297 

Other Income115 127 266 282 
TOTAL NONINTEREST INCOME972 931 1,936 1,718 
NONINTEREST EXPENSE
Salaries and Employee Benefits6,120 5,088 12,117 11,124 
Occupancy615 616 1,271 1,366 
Equipment364 372 713 702 
Data Processing1,140 761 2,081 1,558 
Federal Deposit Insurance Corporation Assessment176 203 349 379 
Pennsylvania Shares Tax267 143 554 400 
Contracted Services436 382 841 692 
Legal and Professional Fees198 117 420 378 
Advertising115 124 258 242 
Other Real Estate Owned— 1 — 2 

Other Expense959 941 1,801 1,706 
TOTAL NONINTEREST EXPENSE10,390 8,748 20,405 18,549 
Income Before Income Tax Expense
5,099 4,715 9,680 7,051 
Income Tax Expense798 766 1,512 1,193 
Net Income$4,301 $3,949 $8,168 $5,858 
EARNINGS PER SHARE
Basic$0.85 $0.79 $1.61 $1.15 
Diluted0.80 0.74 1.54 1.09 
WEIGHTED AVERAGE SHARES OUTSTANDING
Basic5,073,474 5,022,813 5,063,585 5,073,911 
Diluted5,353,959 5,332,026 5,319,645 5,387,924 

The accompanying notes are an integral part of these consolidated financial statements

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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)

Three Months Ended
June 30,Six Months Ended
June 30,
2026202520262025
(Dollars in Thousands)

Net Income$4,301 $3,949 $8,168 $5,858 

Other Comprehensive Income (Loss):
Change in Unrealized Loss on Available-for-Sale Debt Securities7 1,339 (1,902)3,711 
Income Tax Effect(1)(285)405 (792)

Other Comprehensive Income (Loss), Net of Income Tax Effect
6 1,054 (1,497)2,919 
Total Comprehensive Income$4,307 $5,003 $6,671 $8,777 

The accompanying notes are an integral part of these consolidated financial statements

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CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY (UNAUDITED)

Three Months Ended June 30, 2026Shares IssuedCommon StockCapital SurplusRetained EarningsTreasury StockAccumulated Other Comprehensive LossTotal Stockholders' Equity
(Dollars in Thousands, except share and per share data)

March 31, 20265,876,197 $2,449 $88,083 $93,081 $(19,947)$(4,915)$158,751 

Comprehensive Income:
Net Income— — — 4,301 — — 4,301 
Other Comprehensive Income— — — — — 6 6 

Stock-Based Compensation Expense— — 262 — — — 262 
Exercise of Stock Options1,108 — 27 — 183 — 210 
Treasury stock purchased, at cost (773 shares)
— — 13 — (27)— (14)
Dividends Paid ($0.28 Per Share)
— — — (1,419)— — (1,419)
June 30, 20265,877,305 $2,449 $88,385 $95,963 $(19,791)$(4,909)$162,097 

Three Months Ended June 30, 2025Shares IssuedCommon StockCapital SurplusRetained EarningsTreasury StockAccumulated Other Comprehensive LossTotal Stockholders' Equity
(Dollars in Thousands, except share and per share data)

March 31, 20255,828,717 $2,429 $86,960 $91,484 $(17,214)$(15,370)$148,289 

Comprehensive Income:
Net Income— — — 3,949 — — 3,949 
Other Comprehensive Income— — — — — 1,054 1,054 

Stock-Based Compensation Expense— — 193 — — — 193 
Exercise of Stock Options3,400 1 84 — 487 — 572 
Treasury Stock Purchased, at cost (151,893 shares)
— — (47)— (4,393)— (4,440)
Dividends Paid ($0.25 Per Share)
— — — (1,255)— — (1,255)
June 30, 20255,832,117 $2,430 $87,190 $94,178 $(21,120)$(14,316)$148,362 

The accompanying notes are an integral part of these consolidated financial statements

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Six Months Ended June 30, 2026Shares IssuedCommon StockCapital SurplusRetained EarningsTreasury StockAccumulated Other Comprehensive LossTotal Stockholders' Equity
(Dollars in thousands, except share and per share data)

December 31, 20255,835,325 $2,432 $87,644 $90,625 $(19,752)$(3,412)$157,537 

Comprehensive Income:
Net Income— — — 8,168 — — 8,168 
Other Comprehensive Loss— — — — — (1,497)(1,497)
Restricted Stock Awards Granted30,425 13 (13)— — — — 

Stock-Based Compensation Expense— — 474 — — — 474 
Exercise of Stock Options11,555 4 267 — 280 — 551 
Treasury stock purchased, at cost (9,326 shares)
— — 13 — (319)— (306)
Dividends Paid ($0.56 Per Share)
— — — (2,830)— — (2,830)
June 30, 20265,877,305 $2,449 $88,385 $95,963 $(19,791)$(4,909)$162,097 

Six Months Ended June 30, 2025Shares IssuedCommon StockCapital SurplusRetained EarningsTreasury StockAccumulated Other Comprehensive LossTotal Stockholders' Equity
(Dollars in thousands, except share and per share data)

December 31, 20245,787,744 $2,412 $86,373 $90,856 $(15,028)$(17,235)$147,378 

Comprehensive Income:
Net Income— — — 5,858 — — 5,858 
Other Comprehensive Income— — — — — 2,919 2,919 
Restricted Stock Awards Forfeited(200)— 2 — (2)— — 
Restricted Stock Awards Granted25,235 10 (10)— — — — 
Stock-Based Compensation Expense— — 416 — — — 416 
Exercise of Stock Options19,338 8 456 — 682 — 1,146 
Treasury Stock Purchased, at cost (234,816 shares)
— — (47)— (6,772)— (6,819)
Dividends Paid ($0.50 Per Share)
— — — (2,536)— — (2,536)
June 30, 20255,832,117 $2,430 $87,190 $94,178 $(21,120)$(14,316)$148,362 

The accompanying notes are an integral part of these consolidated financial statements

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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)

Six Months Ended June 30,20262025
(Dollars in Thousands)

OPERATING ACTIVITIES
Net Income$8,168 $5,858 
Adjustments to Reconcile Net Income to Net Cash Provided By Operating Activities
Net Accretion on Securities(560)(78)
Depreciation and Amortization1,131 894 
Provision (Recovery) for Credit Losses - Loans385 (68)
(Recovery) Provision for Credit Losses - Unfunded Commitments(126)36 

Net Loss on Sale of Equity Securities
— 13 
Net Unrealized Loss Recognized on Equity Securities 10 56 
Gain on Purchased Tax Credits(21)(7)
Income from Bank-Owned Life Insurance(315)(297)

Proceeds From