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CNB Bank

Clearfield, PA · Cert 13876 · CNB Financial Corp.

State charter, Fed member · FED · 81 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

CNB Bank

Clearfield, PA · Cert 13876 · CNB Financial Corp.

State charter, Fed member · FED · 81 branches

Q2 2026

$8.4BAssets
$6.5BLoans
$7.2BDeposits
$918.9MEquity
Loan mix
85%RE $5.3B13%C&I $0.8B2%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $6.0B17%Noninterest $1.2BQ2 2025Q2 2026

NIM

5.33%Q2 ’245.33%Q2 ’255.35%Q2 ’26+4%+11%

Non-interest income vs. expense

2.43%Q2 ’242.51%Q2 ’252.32%Q2 ’26+6%-6%

Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 1.5% share · #8 of 20 inst. · $1.0B of $67.0B

57.1% Clearfield
12.4% Erie
1.3% Erie
23.5% Monroe

Executive Summary

  • Earnings: ROA of 1.36%, up 46 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.84% of loans (+24 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.17%, up 32 bps from a year ago.
  • Funding: loans stand at 90.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+34 bps YoY

Efficiency Ratio (YTD, annualized)

56.29%-1,008 bps YoY

Tier 1 Leverage Ratio

10.17%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.76%1.04%1.32%1.36%+46 bps
Return on Equity9.43%7.54%10.09%11.92%12.34%+290 bps
Net Interest Margin3.25%2.75%2.98%3.58%3.60%+34 bps
Efficiency Ratio66.36%63.98%65.02%56.90%56.29%-1,008 bps
Non-Interest Burden1.96%1.59%1.78%1.85%1.84%-12 bps
Growth
Asset Growth (YoY)7.37%37.35%35.72%35.43%33.62%+2,624 bps
Loan Growth (YoY)5.69%40.94%41.04%39.67%37.78%+3,209 bps
Deposit Growth (YoY)6.87%31.92%30.28%30.52%28.94%+2,207 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.55%0.61%0.71%0.84%+24 bps
Net Charge-Offs / Loans0.16%0.09%0.08%0.03%0.05%-11 bps
Allowance / Loans0.98%1.01%1.00%1.01%1.00%+3 bps
Allowance Coverage of NPLs1.6x1.8x1.7x1.4x1.2x-0.4x
Capital
Tier 1 Leverage Ratio9.85%9.98%10.50%10.53%10.17%+32 bps
Total Risk-Based Capital13.63%13.45%14.22%14.50%14.05%+42 bps
Equity / Assets9.72%11.02%11.14%11.07%10.92%+120 bps
Liquidity & Funding
Loans / Deposits84.79%92.01%90.95%88.50%90.60%+581 bps
Liquid Assets / Assets9.58%7.32%8.18%8.76%6.76%-282 bps
CRE / Total Capitaln/a393%370%357%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

CNB Bank

Clearfield, PA · Cert 13876 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · CNB Financial Corp.

State charter, Fed member · FED · 81 branches

Q2 2026

$8.4BAssets
$6.5BLoans
$7.2BDeposits
$918.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 61% of banks $1B-$10B in assets operating regionally (rank 69 of 176).
  • Widest gap: nonperforming loans / loans trails 60% of banks $1B-$10B in assets operating regionally (rank 107 of 176).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.36%

Rank 69 of 176

Net Interest Margin

3.60%

Rank 87 of 176

Efficiency Ratio

57.47%

Rank 71 of 176

Equity / Assets

10.92%

Rank 72 of 176

Non-interest income vs. expense

$40.5M$196.5MINCOMEEXPENSE
Unfavorable gap of $156.0M · efficiency ratio beats 60% of banks $1B-$10B in assets operating regionally
Bank 57.47%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.93%1.26%1.54%Beats 61%69 / 176
Return on Equity12.49%9.26%11.89%14.46%Beats 55%79 / 176
Net Interest Margin3.60%3.25%3.59%3.93%Beats 51%87 / 176
Efficiency Ratio57.47%52.79%59.55%67.66%Beats 60%71 / 176
Asset Quality
Nonperforming Loans / Loans0.84%0.30%0.64%1.32%Beats 40%107 / 176
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 58%75 / 176
Capital
Tier 1 Capital Ratio13.21%11.15%12.72%14.15%Beats 60%71 / 176
Total Risk-Based Capital Ratio14.05%11.81%13.63%15.33%Beats 57%75 / 176
Equity / Assets10.92%9.16%10.35%11.80%Beats 59%72 / 176
Liquidity & Funding
Loans / Deposits90.60%80.94%89.73%97.21%53rd pctl82 / 176
Loans / Assets77.35%69.25%75.12%80.82%59th pctl72 / 176
Brokered Deposits / Depositsn/aNot reported for this institution