Company: CCNE
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0000736772-25-000202
Chunk: 221

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-11-05
Form: 10-Q
Item: Item 8
Chunk 221
---
ance Allocated to Loans Receivable in Each CategoryFarmland$167 0.67 %$31,099 0.54 %Owner-occupied, nonfarm nonresidential properties5,696 11.18 515,208 1.11 Agricultural production and other loans to farmers37 0.14 6,492 0.57 Commercial and Industrial7,759 15.60 718,775 1.08 Obligations (other than securities and leases) of states and political subdivisions1,369 3.05 140,430 0.97 Other loans329 0.61 28,110 1.17 Other construction loans and all land development and other land loans2,571 6.14 282,912 0.91 Multifamily (5 or more) residential properties2,969 8.92 411,146 0.72 Non-owner occupied, nonfarm nonresidential properties10,110 22.42 1,033,541 0.98 1-4 Family Construction198 0.57 26,431 0.75 Home equity lines of credit1,340 3.61 166,327 0.81 Residential Mortgages secured by first liens8,958 21.97 1,012,746 0.88 Residential Mortgages secured by junior liens1,343 2.31 106,462 1.26 Other revolving credit plans960 0.89 41,095 2.34 Automobile275 0.45 20,961 1.31 Other consumer2,892 1.17 53,821 5.37 Credit cards127 0.29 13,143 0.97 Overdrafts257 0.01 257 100.00 Total$47,357 100.00 %$4,608,956 1.03 %

The allowance for credit losses measured as a percentage of total loans receivable was 1.05% as of September 30, 2025 and 1.03% as of December 31, 2024.

The Corporation's allowance for credit losses is influenced by loan volumes, risk rating migration, delinquency status and other internal and external conditions influencing loss expectations, such as reasonable and supportable forecasts of economic conditions and