Investor Presentaiton

CONSOLIDATED CAPITAL POSITION ACTUAL (9/30/23)(1)(2) 18% 16% PROFORMA AOCI IMPACT (9/30/23)(3) 18% 16% 15.68% 14% 12% 10% 11.21% 8.57% 8% 7.86% 6% 14% 13.80% 12% 10% 8.16% 8% 9.33% 6% 7.44% 4% 4% 2% 2% 0% 0% Common equity/Total assets ■Tangible common equity/Tangible assets ■Common equity / Total assets ■Common Equity Tier 1 Ratio ■Total Risk Based Capital Ratio ■Common Equity Tier 1 Ratio ■Tangible common equity / Tangible assets ■Total Risk Based Capital Ratio ■ Capital levels remain strong on an actual and proforma basis The Corporation repurchased 326,459 shares of common stock at a weighted average price of $20.08 per share, during the nine months ended September 30, 2023; remaining capacity under the current program was 173,541 shares / $8.4 million as of September 30, 2023 (1) The capital ratios as of September 30, 2023. (2) Tangible common equity / Tangible assets is a non-GAAP financial measure - see Appendix for reconciliation (3) Proforma adjustments include adjustments for pre-tax and after-tax unrealized losses on the available-for-sale and held-to-maturity securities portfolios as of September 30, 2023 CNB FINANCIAL CORPORATION 9

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