Investor Presentaiton

SECURITIES PORTFOLIO 9/30/23 INVESTMENT PORTFOLIO DETAIL Corporate notes & bonds, 6.1% Residential & multi- family mortgage, 40.4% Pooled SBA, 1.5% U.S. Government sponsored entities 38.6% HIGHLIGHTS Investment portfolio comprised of 50.8% available-for-sale and 49.2% held-to-maturity as of September 30, 2023, as part of a strategy to mitigate volatility in tangible common equity Overall low credit risk profile with 80.5% of the portfolio comprised of government or government sponsored securities and residential & multi-family mortgage securities issued by government or government sponsored entities, as of September 30, 2023 Shorter portfolio modified duration of 4.4 years enables CNB to reinvest cash flows to capitalize on higher interest rates State & political subdivisions, 13.4% As of 9/30/23 Price Vol Est % roll off in Net Unrealized Losses Total Net ($000) AFS HTM Total Book Value $404,688 391,301 $795,989 $335,122 Market Value Unrealized Losses ($69,566) (1) AOCI Wgt Avg Mod Dur (Yrs) Years 2024- 352,069 $687,191 (39,232) ($108,798) ($54,957) (4,311) 5.42 3.39 Up100 -4.62% -3.14% Dn100 4.74% 3.32% Next 3 Months 2025 ($59,268) 4.42 -3.86% 4.01% ($2,678) (2,504) ($5,182) ($19,670) (17,101) ($36,771) (1) Accumulated other comprehensive income (loss), "AOCI" amounts included in the amount presented under Total Net Unrealized Losses. These AOCI amounts are calculated using a tax rate of 21%. CNB FINANCIAL CORPORATION 13

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