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CREDIT QUALITY NONPERFORMING ASSETS TO TOTAL ASSETS 0.75% 0.67% 0.62% 0.50% 0.25% 0.51% 0.43% 0.38% 0.00% 2019 2020 2021 2022 2023Q3 NET CHARGE-OFFS TO LOANS 0.50% 0.24% 0.25% 0.21% 0.08% 0.07% 0.05% 0.00% 2019 2020 2021 2022 2023YTD ALLOWANCE FOR CREDIT LOSSES TO NONACCRUAL LOANS (1) 2.5 2.0 1.5 1.13 1.0 0.5 2.07 1.94 1.69 0.0 2020 2021 2022 2023Q3 (1) Prior to January 1, 2020, the Corporation calculated the allowance for loan losses using the probable incurred methodology. CNB FINANCIAL CORPORATION 18

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