Investor Presentaiton

INVESTMENT ACCRETION AND RETURNS TANGIBLE BOOK VALUE PER SHARE(1) $25.00 BV / Share ■TBV / Share $20.00 $15.00 +9.0% Tangible Book Value per Share CAGR 2013-2023YTD $11.43 $10.00 $9.23 RETURN ON AVERAGE TANGIBLE COMMON EQUITY (2) $23.52 $22.85 $22.39 18.00% $21.29 ■ROATCE $20.00 $20.22 $20.30 $21.40 ROAE $17.28 $15.98 $18.66 16.00% $14.01 $14.64 $17.45 $13.09 $14.69 $13.33 $11.96 $11.76 14.00% $10.97 $5.00 in 12.00% 10.00% 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Q3 EARNINGS PER COMMON SHARE (2) $3.50 $3.00 $2.50 +7.4% CAGR 2013-2023 YTD $2.63 $3.26 $3.16 $2.00 $1.60 $1.54 $1.57 $1.42 $1.50 $1.29 $1.00 $0.50 $- $2.21 $1.97 8.00% 6.00% $2.64 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 4.00% 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Q3 2008 The Great Recession (1) Return on average tangible common equity and tangible book value per share are non-GAAP financial measures - see Appendix for reconciliations; Average equity includes both common and preferred equity in periods following the 2020 preferred equity issuance (2) Earnings per share includes merger costs in 2019 and merger costs, FHLB prepayment penalties and branch closure costs in 2020. Note: "CAGR" means Compound Annual Growth Rate and "LTM" is defined as last twelve months. 2020 COVID-19 Pandemic CNB FINANCIAL CORPORATION 4

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