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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

CNB Bank

Clearfield, Pennsylvania · $8.41B in assets · beside the 10 other Pennsylvania banks between $3B and $10B

The filing

+37.8%
Loans, year over year
1st of 11, largest first
10.9%
Equity / assets
10th of 11
0.84%
NPA / loans
9th of 11

CNB Bank is the second largest of the 11 Pennsylvania banks between $3B and $10B, with $8.41B in assets at 30 June 2026. Loans are 90.6% of deposits, 4th of 11 against a median of 95.2%, and equity is 10.9% of assets, 10th of 11. Loans grew +37.8% in the year, the fastest in the cohort, and deposits grew 28.9%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.84% of the book, 9th of 11 against a median of 0.60%; 0.32% is 30 to 89 days past due, and the allowance covers them 1.2 times. Commercial real estate is 37.5% of loans, 4th of 11 against a median of 38.6%, and 269% of capital, below the 300% screen, with construction at 52% against the 100% screen.

Return on assets is 1.35%, 6th of 11 against a median of 1.35%, on an efficiency ratio of 57.5%, 7th of 11. Five years ago it was 1.15%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Equity as a share of assetsPA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 11.3% ST S & Trust Bank 13.8% MP Mid Penn Bank 12.4% AB Acnb Bank 12.3% FC First Citizens Community Bank 11.4% PS Peoples Security Bank & Trust Co. 11.3% CN Citizens & Northern Bank 11.3% UB Univest Bank & Trust Co. 11.3% OB Orrstown Bank 11.1% PC Penn Community Bank 10.9% CB CNB Bank 10.9% FS Firstrust Savings Bank 10.7%
Loans, year over yearPA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.6% CB CNB Bank +37.8% CN Citizens & Northern Bank +22.4% MP Mid Penn Bank +16.4% PS Peoples Security Bank & Trust Co. +7.6% PC Penn Community Bank +7.4% FC First Citizens Community Bank +6.6% FS Firstrust Savings Bank +5.3% OB Orrstown Bank +4.6% UB Univest Bank & Trust Co. +3.5% AB Acnb Bank +3.1% ST S & Trust Bank +1.6%

SBA 7(a), FY2008 to FY2026

CNB Bank is the 31st largest 7(a) lender into Pennsylvania of 374, with $83M across 152 loans, 0.7% of everything approved in the state (The Huntington National Bank leads with $747M). 32 of its 46 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Erie, NY$27M5th of 943.1%-5.7 pts
Lake, OH$14M3rd of 734.1%-2.3 pts
Delaware, PA$13M16th of 1191.8%quiet FY2011
Montgomery, PA$12M32nd of 1600.8%quiet FY2022
Northampton, PA$8M8th of 903.2%quiet FY2016
Chester, PA$8M26th of 1211.0%quiet FY2010
Franklin, OH$7M39th of 1660.3%-0.2 pts
Centre, PA$5M7th of 385.4%quiet FY2017
Philadelphia, PA$4M60th of 1470.3%quiet FY2010
Clearfield, PA$4M4th of 327.5%thin
Cuyahoga, OH$4M55th of 1450.2%-0.1 pts
Geauga, OH$4M8th of 422.4%thin
Erie, PA$4M12th of 562.4%-0.0 pts
33 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing50$32M21.1%0.08%214th of 2,246
Retail trade46$18M12.0%0.03%333rd of 2,589
Health care & social assistance38$15M10.3%0.03%299th of 2,172
Accommodation & food services51$15M9.7%0.02%461st of 2,596
Construction39$14M9.1%0.04%304th of 2,063
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and CNB Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans CB CNB Bank 0.7% $83M · 152 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
CNB BankRankCohort median
Total CRE against capital, the 300% screen269%6th of 11269%
Construction against capital, the 100% screen52%8th of 1144%
Construction and land development, share of loans7.3%7th of 116.6%
Non-owner-occupied nonfarm nonresidential, share of loans20.7%2nd of 1123.8%
Total CRE, the guidance definition, share of loans37.5%4th of 1138.6%
CRE growth over 36 months, the third prong+46.3%9th of 11+31.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
S & Trust Bank$9.94B1.5%55.1%0.50%0.07%1.2%99.2%13.8%
CNB Bank$8.41B1.4%57.5%0.84%0.05%1.0%90.6%10.9%
Univest Bank & Trust Co.$8.17B1.3%60.2%0.62%0.09%1.3%100.2%11.3%
Mid Penn Bank$7.04B1.2%59.2%0.51%0.04%0.7%94.4%12.4%
Firstrust Savings Bank$5.62B1.8%54.8%0.79%0.42%1.6%97.2%10.7%
Orrstown Bank$5.61B1.7%55.8%0.60%0.10%1.1%89.0%11.1%
Peoples Security Bank & Trust Co.$5.43B1.3%56.7%0.33%0.06%1.0%95.4%11.3%
Acnb Bank$3.30B1.8%52.7%0.40%0.01%1.0%95.2%12.3%
First Citizens Community Bank$3.19B1.4%53.5%1.70%0.00%1.0%100.1%11.4%
Citizens & Northern Bank$3.14B1.0%60.1%1.70%0.88%1.4%90.2%11.3%
Penn Community Bank$3.07B0.6%72.6%0.56%0.03%0.9%90.3%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
CNB BankCohort median
20212026Change20212026Change
Loans$3.47B$6.51B+87%$2.24B$4.30B+92%
Deposits$4.60B$7.18B+56%$2.62B$4.62B+77%
NPA / loans0.94%0.84%-0.10 pts0.64%0.60%-0.05 pts
Efficiency57.8%57.5%-0.3 pts55.6%56.7%+1.2 pts
ROA1.15%1.35%+0.20 pts1.33%1.35%+0.03 pts

This read was prepared for CNB Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on CNB Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $3B to $10B
Institution www.cnbbank.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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