Financial Performance - Net income for Q4 2025 was $32.6 million, or $1.10 per diluted share, up from $6.0 million, or $0.22 per diluted share in Q3 2025, and $14.0 million, or $0.66 per diluted share in Q4 2024[4] - Adjusted earnings for Q4 2025 were $25.8 million, or $0.87 per diluted share, reflecting a 14.74% increase from $22.5 million, or $0.82 per diluted share in Q3 2025[7] - Adjusted earnings for the full year 2025 were $73.4 million, or $2.95 per diluted share, a 46.06% increase from $50.3 million, or $2.39 per diluted share in 2024[7] - Net income available to common shareholders for Q4 2025 was $32,573,000, a significant increase from $5,969,000 in Q3 2025 and $13,988,000 in Q4 2024[43] - Net income available to common shareholders for the twelve months ended December 31, 2025, was $61,829,000, representing a 23.0% increase from $50,273,000 in the previous year[34] - Adjusted net income available to common shareholders (non-GAAP) for the twelve months ended December 31, 2025, was $73,429,000, compared to $50,273,000 for the previous year, reflecting a year-over-year increase of 46%[41] Loan and Deposit Growth - Total loans reached $6.4 billion as of December 31, 2025, with organic loan growth of $26.6 million, or 0.42% (1.65% annualized) compared to Q3 2025[4] - Total deposits were $7.0 billion at December 31, 2025, with organic deposit growth of $122.1 million, or 2.21% (8.75% annualized) from Q3 2025[4] - Total loans and loans held for sale increased to $6,489,706,000, up 8.7% from $5,971,441,000 in the previous quarter[35] - Total deposits reached $7,027,109,000 in Q4 2025, up from $6,900,267,000 in Q3 2025, indicating a growth of 1.84%[42] Asset Quality - Total nonperforming assets were approximately $42.2 million, or 0.50% of total assets, as of December 31, 2025, compared to $40.4 million, or 0.49% of total assets in Q3 2025[4] - Net loan charge-offs were $1.5 million, or 0.09% (annualized) of average total loans, for the three months ended December 31, 2025, compared to $957 thousand, or 0.06%, for the three months ended September 30, 2025[9] - The allowance for credit losses as a percentage of total loans was 1.03% as of December 31, 2025, compared to 1.05% as of September 30, 2025[27] - Nonperforming assets as a percentage of total loans and other real estate owned (OREO) stood at 0.65%, slightly up from 0.62% in the prior quarter[37] Revenue and Income - Total revenue for the year ended December 31, 2025 was $282.2 million, an increase of 24.5% from $226.6 million for the year ended December 31, 2024[21] - Net interest income for the year ended December 31, 2025 was $242.0 million, reflecting a 29.11% increase from $187.5 million for the year ended December 31, 2024[21] - Total non-interest income for the year ended December 31, 2025 was $40.2 million, compared to $39.1 million for the year ended December 31, 2024[21] - Non-interest income for the three months ended December 31, 2025, was $12,084,000, a 14.4% increase from $10,566,000 in the previous quarter[34] Efficiency and Ratios - The efficiency ratio was 69.55% for the three months ended December 31, 2025, compared to 64.56% for the three months ended September 30, 2025[20] - The annualized return on average equity was 15.58% for the three months ended December 31, 2025, compared to 12.05% for the three months ended September 30, 2025[20] - The total risk-based capital ratio improved to 14.91%, compared to 13.97% in the previous quarter, reflecting a stronger capital position[37] - Common shareholders' equity as a percentage of total assets (GAAP) was 9.70%, up from 9.53% in the previous quarter and 8.93% a year ago, showing improved capital adequacy[45] Capital and Shareholder Value - Book value per common share increased to $27.63 at December 31, 2025, up from $26.68 at September 30, 2025[5] - Total shareholders' equity was $872.1 million as of December 31, 2025, representing an increase of $27.9 million, or 3.31% from September 30, 2025[31] - The increase in total shareholders' equity was driven by growth in earnings and an increase in additional paid-in capital related to the ESSA acquisition of $202.6 million[31] - Cash dividends per common share remained stable at $0.18 for both the current and previous quarters[34] Strategic Initiatives - The acquisition of ESSA Bancorp in July 2025 significantly contributed to the increase in earnings and loan growth[8] - The Corporation plans to optimize its branch and market footprint following the ESSA acquisition, which includes a strategic initiative involving $88.1 million in deposits classified as held for sale[7]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39472 CNB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1450605 (State or other jurisdic ...

Financial Performance - Net income for the third quarter of 2025 was $6.0 million, or $0.22 per diluted share, a decrease from $12.9 million, or $0.61 per diluted share, in the previous quarter[5] - Adjusted earnings for the third quarter of 2025 were $22.5 million, or $0.82 per diluted share, reflecting a 70.17% increase compared to adjusted earnings of $13.2 million, or $0.63 per diluted share, for the second quarter of 2025[8] - Total revenue for the three months ended September 30, 2025, was $77.7 million, an increase of $16.5 million, or 27.00%, from $61.2 million for the three months ended June 30, 2025[22] - Net income available to common shareholders decreased to $5,969,000 in Q3 2025 from $12,881,000 in Q2 2025 and $12,878,000 in Q3 2024[35] - Net income for Q3 2025 was $7,045,000, a decrease of 49.6% from $13,956,000 in Q2 2025 and a slight increase from $13,954,000 in Q3 2024[48] Loan and Deposit Growth - Total loans as of September 30, 2025, were $6.4 billion, with organic loan growth of $90.8 million, or 1.95% (7.74% annualized), compared to June 30, 2025[8] - Total deposits reached $6.9 billion, with organic deposit growth of $70.2 million, or 1.28% (5.10% annualized), compared to the previous quarter[8] - Total loans and loans held for sale increased to $5,971,441,000 in Q3 2025 from $4,668,051,000 in Q2 2025 and $4,536,702,000 in Q3 2024, reflecting strong loan growth[36] - Total deposits reached $6,900,267 thousand, an increase of 26.2% from $5,467,082 thousand in the previous quarter[37] Asset Quality - Total nonperforming assets were approximately $40.4 million, or 0.49% of total assets, as of September 30, 2025, compared to $30.4 million, or 0.48% of total assets, as of June 30, 2025[5] - The allowance for credit losses was 1.05% of total loans as of September 30, 2025, up from 1.02% in Q2 2025[29] - Provision for credit losses was $18.5 million for Q3 2025, significantly higher than $4.3 million in Q2 2025[29] - Net loan charge-offs for Q3 2025 were $957 thousand, or 0.06% of average total loans, down from $3.3 million, or 0.28%, in Q2 2025[29] Efficiency and Profitability - The efficiency ratio improved to 64.56% for the three months ended September 30, 2025, down from 64.73% for the three months ended June 30, 2025; excluding merger costs, it was 57.67%[22] - The annualized return on average equity was 3.60% for the three months ended September 30, 2025, compared to 8.83% for the three months ended June 30, 2025; excluding merger-related expenses, it was 12.05%[22] - Return on average assets for Q3 2025 was 0.36%, down from 0.90% in Q2 2025 and 0.94% in Q3 2024, indicating a decline in profitability relative to assets[36] Capital and Shareholder Value - Total shareholders' equity as of September 30, 2025, was $844.2 million, an increase of 32.47% from $637.3 million in Q2 2025[32] - The ratio of common shareholders' equity to total assets was 9.53% as of September 30, 2025, compared to 9.17% in Q2 2025[32] - Cash dividends per common share remained stable at $0.18 for Q3 2025, consistent with Q2 2025 and Q3 2024, reflecting a commitment to returning value to shareholders[35] Acquisition Impact - The acquisition of ESSA Bancorp added $2.1 billion in total assets, including $1.7 billion in loans and $1.5 billion in deposits, expanding the branch network by 20 offices[3] - The ESSA acquisition is expected to yield realized cost savings and earnings accretion that meet or exceed pre-merger expectations[11] Non-Interest Income and Expenses - Total non-interest income for the three months ended September 30, 2025, was $10.6 million, including $391 thousand from fee-based sources acquired from the ESSA acquisition[23] - Total non-interest expense for Q3 2025 was $50.2 million, up 27.5% from $39.6 million in Q2 2025; excluding merger costs, it was $46.0 million, a 17.17% increase from Q2 2025[28]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39472 CNB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1450605 (State or other jurisdiction ...

News Release Contact: Tito L. Lima Treasurer (814) 765-9621 FOR IMMEDIATE RELEASE CNB FINANCIAL CORPORATION REPORTS SECOND QUARTER 2025 RESULTS Clearfield, Pennsylvania – July 22, 2025 CNB Financial Corporation ("Corporation") (NASDAQ: CCNE), the parent company of CNB Bank, today announced its earnings for the three and six months ended June 30, 2025. Key Financial Trends • Earnings - Net income available to common shareholders ("earnings") was $12.9 million, or $0.61 per diluted share, and $10.4 million, o ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39472 CNB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1450605 (State or other jurisdiction ...

News Release Contact: Tito L. Lima Treasurer (814) 765-9621 FOR IMMEDIATE RELEASE CNB FINANCIAL CORPORATION REPORTS FIRST QUARTER 2025 RESULTS Clearfield, Pennsylvania – April 14, 2025 CNB Financial Corporation ("Corporation") (NASDAQ: CCNE), the parent company of CNB Bank, today announced its earnings for the three months ended March 31, 2025. Executive Summary • Net income available to common shareholders ("earnings") was $10.4 million, or $0.50 per diluted share, for the three months ended March 31, 2025 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 F O R M 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number 001-39472 CNB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1450605 (State or ot ...

News Release Contact: Tito L. Lima Treasurer (814) 765-9621 FOR IMMEDIATE RELEASE CNB FINANCIAL CORPORATION REPORTS FOURTH QUARTER AND FULL-YEAR 2024 RESULTS Clearfield, Pennsylvania – January 28, 2025 CNB Financial Corporation ("Corporation") (NASDAQ: CCNE), the parent company of CNB Bank, today announced its earnings for the three and twelve months ended December 31, 2024. Executive Summary • Net income available to common shareholders ("earnings") was $14.0 million, or $0.66 per diluted share, for the th ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-39472 CNB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania 25-1450605 (State or other jurisdic ...