Investor Presentaiton

LOAN PORTFOLIO COMPOSITION 9/30/23 LOAN PORTFOLIO COMPOSITION COMMERCIAL & INDUSTRIAL CONSUMER & OTHER 3.0% 32.4% COMMERCIAL MORTGAGE 36.5% RESIDENTIAL REAL ESTATE 28.1% OBSERVATIONS Long term loan growth driven primarily by increases in Commercial and Residential across our diversified markets Excluding net PPP loans and syndicated loans, loans grew $250.7 million, or 7.7% (annualized), from December 31, 2022, to September 30, 2023 CNB views commercial lending as its competitive advantage and remains focused on the area by hiring and retaining experienced loan officers Continued focus on adhering to disciplined pricing and credit quality standards Loan Portfolio Detail CAGR ($000s) 2019Y 2020Y 2021Y 2022Y 2023 3Q 2019Y - 2023 3Q Commercial & Industrial $983,129 $1,242,233 $1,323,674 $1,463,825 $1,455,784 11.0% Commercial Mortgages 869,654 1,059,494 1,178,074 1,499,696 1,638,883 18.4% Residential Real Estate 821,680 967,968 1,025,757 1,193,232 1,263,482 12.2% Consumer & Other 129,572 102,094 107,287 118,425 134,025 0.9% Total Loans $2,804,035 $3,371,789 $3,634,792 $4,275,178 $4,492,174 13.4% CNB FINANCIAL CORPORATION 14

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