CNB Financial Corporation (CCNE) Investor presentation summary

Corporate structure and footprint

• Operates 75 full-service offices, one loan production office, one mobile office, and two limited service offices across Pennsylvania, New York, Ohio, and Virginia.

• Regional divisions include CNB Bank, FCBank, ERIEBANK, BankOnBuffalo, Ridge View Bank, ESSA Bank, and Impressia Bank, all under one charter.

• Market capitalization is approximately $717 million as of September 30, 2025.

Financial highlights and performance

• Total assets reached $8.3 billion, deposits $6.9 billion, and loans $6.5 billion as of September 30, 2025.

• Tangible book value per share grew at a 6.6% CAGR from 2015 to 2025, reaching $26.68.

• Return on average tangible common equity (ROATCE) was 7.08% YTD 2025, with adjusted ROATCE at 11.51%.

• Diluted earnings per share for the nine months ended September 30, 2025, was $1.26, with adjusted EPS at $2.05.

Capital and dividend position

• Tangible common equity to tangible assets was 8.10% as of September 30, 2025.

• Common Equity Tier 1 Ratio stood at 9.53%, and Total Risk Based Capital Ratio at 13.97%.

• No share repurchases in the first nine months of 2025; $15 million repurchase capacity remains.

• Maintains a long history of uninterrupted dividends, with a 2.98% yield and 43% payout ratio as of September 30, 2025.