Investor Presentaiton
UNINSURED DEPOSITS AND LIQUIDITY
Well diversified and granular deposit base comprised of a combination of consumer, small business, commercial and
public funds with an average deposit balance per account for CNB Bank of approximately $33 thousand
Substantial liquidity, which is well in excess of uninsured deposits
Decrease in uninsured and adjusted uninsured deposits driven primarily by conversions to IntraFi ICS and Reich &
Tang reciprocal deposit products
UNINSURED DEPOSITS
AVAILABLE LIQUIDITY (9/30/23)
($000)
12/31/2022 3/31/2023 6/30/2023 9/30/2023
($000)
12/31/2022 3/31/2023 6/30/2023 9/30/2023
Uninsured Deposits
$1,864,886 $1,619,030 $1,532,048 $1,481,827
Excess Cash at Federal Reserve
$43,401 $132,696 $62,644 $117,632
(1)
Adjusted Uninsured Deposits
1,325,578 1,055,799
984,380
940,375
FHLB Borrowing Capacity (2)
757,835
804,916
962,319 988,471
Total CNB Bank Deposits
4,766,209 4,855,815 5,032,613 5,104,596
Federal Reserve Borrowing Capacity
(3)
147,923
305,493 394,547 418,916
Uninsured Deposits
Brokered Deposits
(4)
818,023
881,180 892,504 1,811,718
to Total CNB Bank Deposits
39.1%
33.3%
30.4%
29.0%
(4)
Other third-party funding channels
65,000
65,000
65,000 370,616
Adjusted Uninsured Deposits
to Total CNB Bank Deposits
Total net available liquidity
$1,832,182 $2,189,285 $2,377,014 $3,707,353
27.8%
21.7%
19.6%
18.4%
Available Liquidity as a Multiple of
Adjusted Uninsured Deposits
1.4
2.1
2.4
3.9
(1) Adjustments to Uninsured Deposits include the exclusion of collateralized deposits and affiliate deposits
(2) Availability contingent on the FHLB activity-based stock ownership requirement
(3) Includes access to discount window, BIC program and Bank Term Funding Program
(4) Availability contingent on internal borrowing guidelines and Availability contingent on correspondent bank approvals at time of borrowing
CNB
FINANCIAL
CORPORATION
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