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Investor Presentaiton

UNIQUE MULTI-STATE, MULTI-BRAND MODEL FCBank A DIVISION OF CNB BANK ERJEBANK A division of CNB Bank Opened in August 2005 Ⓡ Comprised of two premium franchises Legacy market with 8 full-service offices serving Erie, Crawford & Warren counties in PA Growth market with 4 full-service offices serving Lake, Ashtabula, & Cuyahoga counties in OH, including the city of Cleveland Opened in 2013 with the acquisition of FC Banc Corp. in Bucyrus, OH 7 full-service offices serving focused on the greater-Columbus metro area and Central Ohio CNB BANK Legacy bank of the organization founded in 1865 19 full-service offices serving Clearfield, Centre, McKean, Elk, Jefferson, Cambria, Indiana and Blair counties in PA Central and North Central PA focus BankonBuffalo A DIVISION OF CNB BANK Opened in 2016 serving the Greater Buffalo market Currently 11 full-service offices, 1 loan production office, 1 mobile office and 1 drive through location Further expansion into Rochester market in 2022 with commercial lending and Wealth & Asset management RIDGE VIEW BANK A division of CNB Bank ■ Established in Q3 2021 ☐ ■ Currently 1 loan production office and 2 full-service offices Hired Carrie McConnell, a 20+ year veteran within the Southwest Virginia market, as Regional President Expect to have 6 to 8 locations within the next 5 years and become a meaningful contributor to overall growth 1865 WEALTH ADVISORS Rebranded in July 2022 of the legacy Wealth Management business with long- established roots and a history of excellence in performance Focus on a planning-based approach for families and commercial customers Seamless partnership with Private Banking in providing customers with a broad array of competitive solutions Impressia Bank A DIVISION OF CNB BANK Extending beyond traditional business banking offerings, clients will have access to resources related to accelerating their business, developing appropriate business strategies, and establishing a community of women who support one another Begin within the existing geographic footprint of each of CNB Bank's five other divisions, then strategically expand beyond those borders utilizing an online presence CNB FINANCIAL CORPORATION 5
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