Investor Presentaiton

CONSERVATIVE CREDIT CULTURE 9/30/23 NONACCRUAL LOANS BY TYPE HISTORICAL NPAS/ASSETS & NCOS/LOANS 1.00% 0.80% 0.67% 0.62% COMMERCIAL & 0.60% COMMERCIAL INDUSTRIAL 34% REAL ESTATE 43% 0.51% 0.43% 0.38% 0.40% 0.24% 0.21% 0.20% 0.08% 0.07% 0.17% 0.05% 0.17% CONSUMER 3% RESIDENTIAL MORTGAGE 20% 0.00% 0.05% 0.02% 0.03% 2019 2020 2021 2022 2023YTD HISTORICAL ASSET QUALITY ■NPAS / ASSETS NCOs / AVERAGE LOANS NCOs / AVERAGE LOANS - BANK ONLY 12/31/2019 12/31/2020 12/31/2021 12/31/2022 9/30/2023 NONACCRUAL LOANS $21,736 $30,359 $19,420 ACCRUAL LOANS GREATER THAN 89 DAYS 61 325 168 $20,986 1,121 $27,065 OREO 1,633 862 707 NONPERFORMING ASSETS $23,430 $31,546 $20,295 1,439 $23,546 231 2,039 $29,335 NONACCRUAL LOANS / LOANS NPAS / ASSETS ACL / NONACCRUAL LOANS (1) NCOs-Bank Only excludes Holiday Financial Services Note: NPAs is an abbreviation for non-performing assets; NCOs is an abbreviation for net charge-offs 0.78% 0.90% 0.53% 0.49% 0.60% 0.62% 0.67% 0.38% 0.43% 0.51% 89.59% 113.11% 193.55% 206.98% 169.34% (1) CNB FINANCIAL CORPORATION 17

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