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Investor Presentaiton

CNB FINANCIAL CORPORATION Holding Company for CNB Bank (Clearfield, ■ PA), serving the community since 1865 ■ ■ ■ ■ 51 full-service offices, 1 drive-through location, 1 mobile office and 2 loan production offices across Pennsylvania, New York, Ohio and Virginia CNB Bank's regional divisions (all under one charter) include CNB Bank (Central and North Central PA); FC Bank (Columbus & Central OH), ERIEBANK (Northeast OH & Northwest PA), BankOnBuffalo (Western NY), Ridge View Bank (Southwest, VA), and Impressia Bank, which operates across our entire footprint Nasdaq: CCNE & CCNEP Market Capitalization: ~$417 million (1) FINANCIAL HIGHLIGHTS (As of 9/30/23) ASSETS: $5.7 billion DEPOSITS: $5.0 billion LOANS: $4.5 billion 2023 YTD ROAA: 1.06% 2023 YTD ROATCE(2): 12.23% NPAS/ASSETS: 0.51% COLUMBUS, OH CLEVELAND, OH OH BANKONBUFFALO ERIEBANK GREATER BUFFALO, NY ERIE, PA NY CORPORATE HEADQUARTERS CNB BANK FC BANK RIDGE VIEW BANK (1) Based on 20,897,806 share count reported as of October 31, 2023 in September 30, 2023 Form 10-Q and the November 10, 2023 closing stock price ($19.94) (2) Return on average tangible common equity is a non-GAAP financial measure - see Appendix for reconciliation PA VA SOUTHWEST VA I CNB FINANCIAL CORPORATION 3
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