Investor Presentaiton

NON-GAAP RECONCILIATION Dollars in thousands, except per share data 2019 As of December 31, 2020 2021 2022 As of September 30, 2023 Total stockholder's equity (GAAP) $304,966 $416,137 $442,847 $530,762 $549,212 LESS: preferred equity 57,785 Common equity 304,966 358,352 57,785 385,062 57,785 57,785 472,977 491,427 LESS: goodwill and other intangible assets 38,890 44,316 44,209 44,113 44,173 Tangible common equity (non-GAAP) $266,076 $314,036 $340,853 $428,864 $447,254 Total Assets 3,763,659 4,729,399 5,328,939 5,475,179 5,731,908 LESS: goodwill and other intangible assets 38,890 44,316 44,209 44,113 44,173 Tangible Assets (non-GAAP) 3,724,769 4,685,083 5,284,730 5,431,066 Tangible common equity / Tangible assets (non-GAAP) Common equity / Total assets (GAAP) 7.14% 6.70% 6.45% 8.10% 7.58% 7.23% 7.90% 8.64% 5,687,735 7.86% 8.57% CNB FINANCIAL CORPORATION 26

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