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EARNINGS POWER RETURN ON AVERAGE ASSETS (1) NET INTEREST MARGIN (2) 3.90% 1.40% 1.20% 3.80% 1.17% 1.20% 1.14% 3.69% 1.06% 1.00% 0.75% 0.80% 0.60% 0.40% 0.20% 0.00% ill 3.70% 3.64% ■NIM ■ NIM Fully tax Equiv 3.83% 3.82% 3.66%3.64% 3.60% 3.50% 3.38% 3.40% 3.34% 3.35% 3.29% 3.30% 3.20% 3.10% 2019 2020 2021 2022 2023YTD 3.00% 2019 2020 2021 2022 2023YTD RETURN ON AVERAGE EQUITY (1) 15.00% 14.1% 12.00% 9.1% 9.00% 6.00% 3.00% 13.9% 13.4% EFFICIENCY RATIO (1)(2) 80% Efficiency ratio Efficiency ratio FTE 10.7% 70% 65.94% 61.55% 61.32% 65.10% 60% 60.19% 60.26% 59.76% 64.26% 63.60% 60.87% 50% 40% 2019 19 2 2020 0 2 2021 2022 2023YTD 0.00% 2019 2020 2021 2022 2023YTD (1) Return on average assets, return on average equity, and efficiency ratio include merger costs in 2019 and merger costs, FHLB prepayment penalties and branch closure costs in 2020. (2) Net interest margin and adjusted efficiency ratio are non-GAAP financial measures - see Appendix for reconciliations. Note: "FTE" means fully tax equivalent basis CNB FINANCIAL CORPORATION 20

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