CCNE on Nasdaq
CNB FINANCIAL CORP/PA
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and fees on loans | $350.9M | $293.5M | $273.2M |
| Taxable | $40.0M | $30.9M | $19.3M |
| Tax-exempt | $603.0K | $636.0K | $724.0K |
| Dividends | $820.0K | $375.0K | $470.0K |
| Total interest and dividend income | $392.3M | $325.5M | $293.7M |
| Deposits | $140.6M | $133.5M | $97.8M |
| Borrowed funds and finance lease liabilities | $5.5M | $11.0K | $1.8M |
| Subordinated debentures (includes $0, $0, and $(151) accumulated other comprehensive income reclassification for change in fair value of interest rate swap agreements, respectively) | $4.3M | $4.5M | $4.3M |
| Total interest expense | $150.3M | $138.0M | $103.9M |
| NET INTEREST INCOME | $242.0M | $187.5M | $189.8M |
| PROVISION FOR CREDIT LOSS EXPENSE | $8.9M | $9.2M | $6.0M |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSS EXPENSE | $233.2M | $178.2M | $183.8M |
| Service charges on deposit accounts | $7.8M | $7.0M | $7.4M |
| Other service charges and fees | $1.9M | $3.0M | $3.0M |
| Wealth and asset management fees | $10.2M | $7.8M | $7.3M |
| Net realized gains on available-for-sale securities (includes $1,168, $74, and $52 accumulated other comprehensive income reclassifications for net realized gains on available-for-sale securities, respectively) | $1.2M | $74.0K | $52.0K |
| Net realized and unrealized gains (losses) on equity securities | $1.3M | $754.0K | -$387.0K |
| Mortgage banking | $756.0K | $673.0K | $676.0K |
| Bank owned life insurance | $4.8M | $3.1M | $2.9M |
| Card processing and interchange income | $9.2M | $8.7M | $8.3M |
| Other non-interest income | $3.1M | $8.0M | $4.1M |
| Total non-interest income | $40.2M | $39.1M | $33.3M |
| Compensation and benefits (includes $(257), $(168), and $(174) accumulated other comprehensive income reclassifications for net amortization of actuarial (gains) losses, respectively) | $89.7M | $74.5M | $71.1M |
| Net occupancy expense | $18.2M | $14.7M | $14.5M |
| Amortization of core deposit intangible | $1.8M | $73.0K | $84.0K |
| Technology expense | $23.7M | $21.8M | $20.2M |
| State and local taxes | $5.3M | $4.7M | $4.1M |
| Legal, professional and examination fees | $4.5M | $4.2M | $4.4M |
| Advertising | $2.8M | $2.5M | $3.1M |
| FDIC insurance | $4.1M | $3.7M | $3.9M |
| Card processing and interchange expenses | $5.2M | $4.6M | $5.0M |
| Other non-interest expenses | $21.7M | $19.1M | $18.9M |
| Merger and integration costs | $13.8M | $0 | $0 |
| Total non-interest expenses | $190.9M | $150.0M | $145.3M |
| INCOME BEFORE INCOME TAXES | $82.5M | $67.4M | $71.8M |
| INCOME TAX EXPENSE (includes $299, $51, and $79 income tax expense reclassification items, respectively) | $16.3M | $12.8M | $13.8M |
| NET INCOME | $66.1M | $54.6M | $58.0M |
| PREFERRED STOCK DIVIDENDS | $4.3M | $4.3M | $4.3M |
| NET INCOME AVAILABLE TO COMMON STOCKHOLDERS | $61.8M | $50.3M | $53.7M |
| Basic Earnings Per Common Share (in dollars per share) | $2.50 | $2.39 | $2.56 |
| Diluted Earnings Per Common Share (in dollars per share) | $2.49 | $2.39 | $2.55 |
| Cash dividends declared (in dollars per share) | $0.72 | $0.71 | $0.70 |
| Net change in unrealized gains on available-for-sale securities, net of reclassification and tax | $13.5M | $1.7M | $6.1M |
| Amortization of unrealized gains from held-to-maturity securities, net of tax | $475.0K | $545.0K | $591.0K |
| Change in actuarial gains (losses), for post-employment health care plan, net of amortization and tax | -$506.0K | $245.0K | -$139.0K |
| Change in actuarial losses, for pension plan, net of tax | -$565.0K | $0 | $0 |
| Change in fair value of interest rate swap agreements designated as a cash flow hedge, net of interest and tax | $0 | $0 | -$119.0K |
| Total other comprehensive income | $12.9M | $2.5M | $6.4M |
| COMPREHENSIVE INCOME | $79.0M | $57.1M | $64.5M |
| Accumulated other comprehensive income reclassification for change in fair value of interest rate swap agreements | $0 | $0 | -$151.0K |
| Accumulated other comprehensive income reclassifications for net realized gains on available-for-sale securities | $1.2M | $74.0K | $52.0K |
| Accumulated other comprehensive income reclassifications on employee benefits | -$257.0K | -$168.0K | -$174.0K |
| Income tax expense | $299.0K | $51.0K | $79.0K |
Every line of the balance sheet in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $78.2M | $63.8M | |
| Interest-bearing deposits with Federal Reserve | $441.5M | $375.0M | |
| Interest-bearing deposits with other financial institutions | $8.2M | $4.3M | |
| Total cash and cash equivalents | $527.9M | $443.0M | |
| Debt securities available-for-sale, at fair value (amortized cost of $618,912 as of December 31, 2025 and $520,223 as of December 31, 2024) | $584.3M | $468.5M | |
| Debt securities held-to-maturity, at amortized cost (fair value $229,694 as of December 31, 2025 and $282,970, as of December 31, 2024) | $242.1M | $306.1M | |
| Equity securities | $10.9M | $10.5M | |
| Loans held for sale | $2.5M | $762.0K | |
| Loans receivable | $6.5B | $4.6B | |
| Less: allowance for credit losses | -$67.1M | -$47.4M | -$45.8M |
| Net loans receivable | $6.4B | $4.6B | |
| FHLB and other restricted stock holdings and investments | $58.5M | $40.7M | |
| Premises and equipment, net | $90.2M | $76.0M | |
| Operating & finance lease right-of-use assets | $58.3M | $52.7M | |
| Bank owned life insurance | $159.5M | $117.6M | |
| Mortgage servicing rights | $2.6M | $1.3M | |
| Goodwill and other intangible assets | $88.5M | $43.9M | |
| Core deposit intangible, net | $33.7M | $206.0K | |
| Accrued interest receivable and other assets | $110.6M | $69.2M | |
| Total Assets | $8.4B | $6.2B | |
| Noninterest-bearing demand deposits | $1.1B | $819.7M | |
| Interest-bearing demand deposits | $1.0B | $706.8M | |
| Savings | $3.8B | $3.1B | |
| Certificates of deposit | $1.1B | $722.9M | |
| Total deposits | $7.0B | $5.4B | |
| Short-term borrowings | $164.0M | $0 | |
| Deposits held for sale | $88.1M | $0 | |
| Subordinated debentures | $20.6M | $20.6M | |
| Subordinated notes, net of unamortized issuance costs | $84.9M | $84.6M | |
| Operating lease liabilities | $43.7M | $40.3M | |
| Accrued interest payable and other liabilities | $95.8M | $64.4M | |
| Total liabilities | $7.5B | $5.6B | |
| Preferred stock, Series A non-cumulative perpetual, No par value; $1,000 liquidation preference; shares authorized 60,375; Shares issued 60,375 at December 31, 2025 and 2024 | $57.8M | $57.8M | |
| Common stock, no par value; 50,000,000 shares authorized; Shares issued 29,594,933 at December 31, 2025 and 21,235,503 at December 31, 2024 | $0 | $0 | |
| Additional paid in capital | $422.7M | $219.9M | |
| Retained earnings | $424.9M | $381.3M | |
| Treasury stock, at cost (121,581 shares at December 31, 2025 and 247,511 shares at December 31, 2024) | -$2.6M | -$4.7M | |
| Accumulated other comprehensive loss | -$30.7M | -$43.6M | |
| Total shareholders equity | $872.1M | $610.7M | $571.2M |
| Total Liabilities and Shareholders Equity | $8.4B | $6.2B | |
| Debt securities, available-for-sale, amortized cost | $618.9M | $520.2M | |
| Debt securities held-to-maturity | $229.7M | $283.0M | |
| Preferred Stock, par value (in dollars per share) | $0.00 | $0.00 | |
| Preferred stock, liquidation preference | $1.0K | $1.0K | |
| Preferred stock, shares authorized (in shares) | 60.4K shares | 60.4K shares | |
| Preferred stock, shares issued (in shares) | 60.4K shares | 60.4K shares | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, shares authorized (in shares) | 50.0M shares | 50.0M shares | |
| Common stock, shares issued (in shares) | 29.6M shares | 21.2M shares | |
| Treasury stock, shares (in shares) | 121.6K shares | 247.5K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $66.1M | $54.6M | $58.0M |
| Provision for credit loss expense | $8.9M | $9.2M | $6.0M |
| Depreciation and amortization of premises and equipment, operating leases assets, core deposit intangible, and mortgage servicing rights | $10.9M | $8.3M | $7.7M |
| Net accretion of securities, deferred loan fees and costs, net yield and credit mark on acquired loans, and unearned income | -$12.9M | -$4.6M | -$3.2M |
| Net amortization of deferred costs on borrowings | $304.0K | $303.0K | $303.0K |
| Deferred tax (benefit) expense | $5.1M | -$1.2M | $1.1M |
| Net realized gains on sales of available-for-sale securities | -$1.2M | -$74.0K | -$52.0K |
| Net realized and unrealized losses (gains) on equity securities | -$1.3M | -$754.0K | $387.0K |
| Losses (gains) on sale of loans held for sale | $1.3M | -$770.0K | -$447.0K |
| Net (gains) losses on dispositions of premises and equipment and foreclosed assets | -$160.0K | $53.0K | $27.0K |
| Proceeds from sale of loans receivable | $29.9M | $27.9M | $16.3M |
| Origination of loans held for sale | -$31.0M | -$28.5M | -$17.9M |
| Income on bank owned life insurance | -$4.8M | -$3.1M | -$2.9M |
| Gain on bank owned life insurance (death benefit proceeds in excess of cash surrender value) | $1.2M | $0 | $0 |
| Restricted stock compensation expense | $2.7M | $2.2M | $1.7M |
| Stock-based contribution expense | $0 | $0 | $55.0K |
| Accrued interest receivable and other assets | $1.8M | $389.0K | -$5.9M |
| Accrued interest payable, lease liabilities, and other liabilities | -$11.8M | $7.5M | -$14.2M |
| NET CASH PROVIDED BY OPERATING ACTIVITIES | $65.0M | $71.5M | $47.0M |
| Proceeds from maturities, prepayments and calls of available-for-sale securities | $126.2M | $65.5M | $42.7M |
| Proceeds from sales of available-for-sale securities | $341.0M | $806.0K | $13.2M |
| Proceeds from sale of equity securities | $1.2M | $0 | $296.0K |
| Purchase of available-for-sale securities | -$335.8M | -$190.8M | -$19.3M |
| Proceeds from maturities, prepayments and calls of held-to-maturity securities | $64.9M | $83.9M | $16.8M |
| Purchase of equity securities | -$311.0K | -$401.0K | -$369.0K |
| Proceeds from loans held for sale previously classified as portfolio loans | $71.0M | $11.2M | $5.0M |
| Net increase in loans receivable | -$276.0M | -$155.1M | -$197.6M |
| Proceeds from death benefit of bank owned life insurance policies | $2.5M | $0 | $0 |
| Net cash from business combinations | $27.4M | $0 | $0 |
| Redemption (purchase) of FHLB, other equity, and restricted equity interests | $6.4M | -$10.7M | $704.0K |
| Purchase of premises and equipment | -$6.3M | -$16.3M | -$10.8M |
| Proceeds from the sale of premises and equipment and foreclosed assets | $5.6M | $8.7M | $52.0K |
| Purchase of other intangibles | $0 | $0 | -$125.0K |
| NET CASH USED BY INVESTING ACTIVITIES | $27.6M | -$203.3M | -$149.5M |
| Net increase in checking, money market and savings accounts | $317.6M | $156.2M | $316.3M |
| Net (decrease) increase in certificates of deposit | -$29.6M | $216.4M | $60.0M |
| Purchase of treasury stock | -$333.0K | -$643.0K | -$6.7M |
| Cash dividends paid, common stock | -$18.2M | -$14.9M | -$14.7M |
| Cash dividends paid, preferred stock | -$4.3M | -$4.3M | -$4.3M |
| Net decrease in short-term borrowings | -$273.0M | $0 | -$132.4M |
| NET CASH PROVIDED BY FINANCING ACTIVITIES | -$7.8M | $352.8M | $218.2M |
| NET INCREASE IN CASH AND CASH EQUIVALENTS | $84.9M | $221.0M | $115.8M |
| Interest | $150.1M | $134.4M | $102.2M |
| Income taxes | $10.6M | $12.9M | $12.0M |
| Transfers to other real estate owned | $505.0K | $1.5M | $874.0K |
| Transfers from loans held for sale to loans held for investment | $317.0K | $1.4M | $1.7M |
| Transfers from loans held for investment to loans held for sale | $385.0K | $438.0K | $166.0K |
| Grant of restricted stock awards from treasury stock | $2.7M | $3.0M | $2.7M |
| Grant of performance based restricted stock awards from treasury stock | $167.0K | $179.0K | $111.0K |
| Restricted stock forfeiture | $409.0K | $360.0K | $134.0K |
| Contribution of stock from treasury stock | $0 | $0 | $81.0K |
| Lease liabilities arising from obtaining operating right-of-use assets | $1.2M | $4.1M | $5.0M |
| Lease liabilities arising from obtaining finance right-of-use assets | $3.0M | $15.0M | $0 |
Recent filings
- Oct 13, 20268-K
- Aug 11, 20268-K
- Aug 5, 20264
- Aug 5, 202610-Q
- Jul 23, 20268-K
- Jul 14, 20268-K
- Jul 10, 20268-K
- Jul 10, 2026EFFECT
- Jul 8, 2026S-3/A
- Jun 26, 2026S-3
- Jun 17, 20264
- Jun 16, 20268-K
- Jun 10, 20268-K
- Jun 8, 20264
- May 12, 20268-K
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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