Company: CCNE
Filing Date: 2025-03-06
Form Type: 10-K
Source: 0000736772-25-000071
Chunk: 88

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-03-06
Form: 10-K
Item: Item 7
Chunk 88
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,328,430 3.08 133,493 4,037,554 2.42 97,770 3,796,642 0.52 19,833 Short-term borrowings— — — 35,224 5.07 1,787 8,793 4.20 369 Finance lease liabilities247 4.45 11 339 4.42 15 426 4.69 20 Subordinated notes and debentures105,039 4.28 4,497 104,735 4.10 4,295 104,432 3.69 3,857 Total interest-bearing liabilities4,433,716 3.11 $138,001 4,177,852 2.49 $103,867 3,910,293 0.62 $24,079 Demand—noninterest-bearing781,780 793,713 847,793 Other liabilities86,912 79,473 70,379 Total liabilities5,302,408 5,051,038 4,828,465 Shareholders’ equity592,550 550,333 455,748 TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY$5,894,958 $5,601,371 $5,284,213 Interest income/Earning assets5.88 %$326,425 5.57 %$294,693 4.30 %$214,973 Interest expense/Interest-bearing liabilities3.11 138,001 2.49 103,867 0.62 24,079 Net interest spread2.77 %$188,424 3.08 %$190,826 3.68 %$190,894 Interest income/Earning assets5.88 %$326,425 5.57 %$294,693 4.30 %$214,973 Interest expense/Earning assets2.49 138,001 1.96 103,867 0.48 24,079 Net interest margin (fully tax-equivalent)3.39 %$188,424 3.61 %$190,826 3.82 %$190,894 

(1) Includes unamortized discounts and premiums. 

45

(2