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Investor Presentaiton

ADDITIONAL LOAN PORTFOLIO DETAIL Well diversified C&I portfolio with no single industry greater than 23% of total C&I portfolio CNB has proven C&I underwriting practices and strong loan loss history Commercial Mortgage portfolio is also well diversified with no single segment greater than 22% of the total Commercial Mortgage portfolio, and with the Commercial Office segment representing less than 10% of the total Commercial Mortgage portfolio C&I DETAIL (9/30/23) Retail 9.0% Healthcare & Social Services 11.1% Construction 7.1% Finance and Insurance 6.1% Manufacturing 22.3% Other Services 5.1% Professional, Scientific, and Technical Services 4.7% Agriculture, Forestry, Fishing and Hunting 4.4% Transportation and Warehousing 3.7% COMMERCIAL MORTGAGE DETAIL (9/30/23) Educational Services 3.4% Storage Units 1.8% Warehouse 2.4% Student Housing 2.4% All Other 23.1% Manufacturing 2.6% All Other 22.2% Retail 8.2% Office 9.1% Mixed Use 10.5% Apartments 19.5% CNB Lodging 21.3% FINANCIAL CORPORATION 15
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