Company: CCNE
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0000736772-25-000202
Chunk: 276

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-11-05
Form: 10-Q
Item: Item 2
Chunk 276
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 provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.

62

Nine Months Ended September 30, 2025Provision (Benefit) for Credit Losses on Loans Receivable (1)Net(Charge-Offs)RecoveriesAverage Loans ReceivableRatio of Annualized Net (Charge-Offs) Recoveries to Average Loans ReceivableFarmland$(10)$— $29,966 — %Owner-occupied, nonfarm nonresidential properties2,143 (1,487)567,534 (0.35)Loans to depository institutions— — 6,448 — Agricultural production and other loans to farmers60 — 1,885 — Commercial and Industrial1,894 (879)733,390 (0.16)Obligations (other than securities and leases) of states and political subdivisions532 — 152,693 — Other loans137 — 36,272 — Other construction loans and all land development and other land loans800 — 312,249 — Multifamily (5 or more) residential properties2,507 (1,072)488,792 (0.29)Non-owner occupied, nonfarm nonresidential properties3,330 — 1,101,535 — 1-4 Family Construction187 — 25,766 — Home equity lines of credit783 (60)189,478 (0.04)Residential Mortgages secured by first liens8,514 (52)1,193,490 (0.01)Residential Mortgages secured by junior liens430 — 116,813 — Other revolving credit plans179 (69)39,717 (0.23)Automobile(27)(25)19,377 (0.17)Other consumer1,721 (1,567)51,589 (4.06)Credit cards291 (274)14,866 (2.46)Overdrafts698 (214)202 (141.64)Total$24,169 $(5,699)$5,082,062 (0.15)%

(1) Excludes provision for credit losses related to unfunded commitments. Note 10, "Off-Balance Sheet Commitments and Contingencies," to the condensed consolidated financial statements