Investor Presentaiton

NON-GAAP RECONCILIATION Dollars in thousands, except per share data Interest Income LESS: Interest Expense Net Interest Income Average Total Earning Assets Net Interest Margin 2019 For the year ending December 31, 2020 2021 2022 Nine months ended September 30, 2023 $214,488 $155,728 39,530 32,456 116,198 134,711 $167,167 $179,600 $213,738 19,820 24,079 189,659 72,353 159,780 142,135 $3,194,911 $4,092,076 $4,768,040 $4,954,547 $5,194,485 3.64% 3.29% 3.35% 3.83% 3.66% (1) Interest Income $155,728 $167,167 $179,600 $213,738 $214,488 ADD: Tax Equivalent Adjustment 1,476 1,361 953 Adjusted Interest Income (fully tax equivalent basis) (non-GAAP) 157,204 168,528 180,553 1,235 214,973 755 215,243 LESS: Interest Expense 39,530 Net Interest Income (fully tax equivalent basis) (non-GAAP) 117,674 32,456 136,072 19,820 160,733 24,079 72,353 190,894 142,890 Average Total Earning Assets $3,194,911 $4,092,076 $4,768,040 $4,954,547 (ADD) LESS: Average Mark to Market Adjustment on Investments 5,631 18,884 9,879 (40,271) $5,194,485 (58,577) Adjusted Total Earning Assets 3,189,280 4,073,192 4,758,161 4,994,818 5,253,062 Net Interest Margin, fully tax equivalent basis (non-GAAP) 3.69% 3.34% 3.38% 3.82% 3.64% (1) (1) Annualized CNB FINANCIAL CORPORATION 23

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