Investor Presentaiton

DEPOSIT MIX 9/30/23 DEPOSIT MIX SAVINGS 57.6% AVERAGE COST OF INTEREST-BEARING DEPOSITS 2.50% 2.00% 1.50% 1.26% TIME DEPOSITS 11.1% 1.00% 0.77% 0.52% 0.40% 0.50% DEMAND - INTEREST 15.6% DEMAND - NONINTEREST 15.7% 0.00% 2019 2020 Deposit Composition ($000) 2019Y 2020Y 2021Y 2022Y 2023Q3 CAGR (1) ☐ - Demand Noninterest Bearing $382,259 $627,114 $792,086 $898,437 $782,996 21.1% Demand Interest Bearing 628,579 951,903 1,079,336 1,007,202 781,309 6.0% Savings 1,663,673 2,126,183 2,457,745 2,270,337 2,883,736 15.8% Time Deposits 427,816 476,544 386,452 446,461 554,740 7.2% Total Deposits $3,102,327 $4,181,744 $4,715,619 $4,622,437 $5,002,781 13.6% (1) December 31, 2019 through September 30, 2023 2.27% 2021 2022 2023YTD HIGHLIGHTS Long-term growth in deposits driven primarily by growth in checking and savings account relationships Approximately 21.1% CAGR from December 31, 2019, in Non-Int. Deposits Demand deposits strengthened by C&I and Treasury Management customer relationships Time deposits represented 11.1% of total deposits as of September 30, 2023 Brokered deposits represented 5.3% of total deposits as of September 30, 2023 CNB FINANCIAL CORPORATION 11

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