CNB Bank

What sets CNB Bank apart

How large is CNB Bank?

The balance sheet of CNB Bank at Q2 2026: assets $8.4 bn, deposits $7.2 bn, net loans $6.4 bn (loans equal to 89.69% of deposits). Securities make up 10.7% of total assets at CNB Bank. Since Q1 2016, when CNB Bank held $2.3 bn, its assets grew 268.8%. In the year to Q2 2026, deposits at CNB Bank rose 28.9% while its total assets rose 33.6%. At Q2 2026, CNB Bank employed 927 full-time equivalent staff across 82 offices, about $9.1 mn of assets per employee and $87.6 mn of deposits per office.

How much funding at CNB Bank is uninsured?

At CNB Bank, uninsured deposits (above the FDIC limit) made up 28.83% of domestic deposits at Q2 2026 (+0.21 pp on a year earlier); CNB Bank ranks 333rd of 500 on this measure. In dollars, CNB Bank estimated $2.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of CNB Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of CNB Bank stood at 13.09% in Q2 2026, +0.59 pp year on year. Low and high at CNB Bank since Q1 2016: 10.58% (Q2 2016) to 13.55% (Q1 2026). Equity capital of CNB Bank at Q2 2026: $918.9 mn, or 10.9% of total assets. CNB Bank also reported a total capital ratio of 14.05% for Q2 2026, and a tier 1 leverage ratio of 10.17%.

On held-to-maturity securities, CNB Bank carried an unrealized loss of $12.5 mn at Q2 2026, equal to 1.4% of equity capital. The loss narrowed by $3.9 mn over the year. Its deepest point: $39.2 mn in Q3 2023. The available-for-sale portfolio of CNB Bank showed an unrealized loss of $42.3 mn at Q2 2026; the loss widened by $3.0 mn over the year.

For the year to Q2 2026, CNB Bank earned a return on equity of 12.34%; return on assets: 1.36%. Net interest margin at CNB Bank: 3.89%, +0.40 pp in a year. CNB Bank net income: $57.4 mn, up 102.9% year on year. The efficiency ratio of CNB Bank was 56.29%: about 56 cents cost per revenue dollar, against 61 cents at the median peer.

At Q2 2026, noncurrent loans were 0.84% of total loans at CNB Bank; net charge-offs: 0.05% of average loans. Gross loans and leases at CNB Bank: $6.5 bn, up 37.8% in a year.

The peer group of CNB Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of CNB Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Pennsylvania. Against them, CNB Bank shows CET1 ratio 13.09% against a peer median of 12.58%, return on equity 12.34% against a peer median of 11.38% and uninsured deposit share 28.83% against a peer median of 34.67%.

The FDIC history of CNB Bank, oldest first; figures before and after each event are not like for like.

1. 15 July 2016. Absorbed Lake National Bank (FDIC certificate 57879).
2. 17 July 2020. Absorbed Bank of Akron (FDIC certificate 13290).
3. 24 July 2025. Absorbed ESSA Bank & Trust (FDIC certificate 28262).

Large one-quarter moves at CNB Bank

• Total assets at CNB Bank changed by +30.7% in the quarter to 2025-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from ESSA Bank & Trust.