Company: CCNE
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000736772-25-000169
Chunk: 252

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-08-07
Form: 10-Q
Item: Item 2
Chunk 252
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amily loans:

◦There were 223 outstanding loans, totaling $405.4 million, or 8.57% of total Corporation loans outstanding;

◦There was one nonaccrual and past due commercial multifamily loan that totaled $199 thousand, or 0.05% of total multifamily loans outstanding; and

◦The average outstanding balance per commercial multifamily loan was $1.8 million.

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The following table summarizes the geographic region (based upon metropolitan statistical areas) in which the commercial office, hospitality and multifamily loans were originated as of June 30, 2025:

 June 30, 2025Commercial OfficeGeographic Region:Buffalo, NY32.77 %Cleveland, OH30.06 Cincinnati, OH9.89 Erie-Meadville, PA5.78 All other geographical regions21.50 Total Commercial Office100.00 %Commercial HospitalityGeographic Region:Buffalo, NY19.00 %Columbus, OH13.95 Pittsburgh, PA17.02 Cleveland, OH9.49 All other geographical regions40.54 Total Commercial Hospitality100.00 %Commercial MultifamilyGeographic Region:Cleveland, OH41.12 %Buffalo, NY23.47 Columbus, OH15.08 State College–DuBois, PA 6.05 All other geographical regions14.28 Total Commercial Multifamily100.00 %

As of June 30, 2025, the Corporation had no commercial office, hospitality or multifamily loan relationships considered by the banking regulators to be high volatility commercial real estate ("HVCRE") credits.

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Maturities and Sensitivities of Loans Receivable to Changes in Interest Rate

The following table presents the maturity distribution of the Corporation's loans receivable at June 30, 2025. The table also presents the portion of loans receivable that have fixed interest rates or variable interest rates that fluctuate over the life of the loans in accordance with changes in an interest rate index.

 June 30, 2025 Due inOne Yearor LessAfter One,but WithinFive YearsAfter Five but Within Fifteen YearsAfterFifteen YearsTotalLoans Receivable with Fixed Interest RateFarmland$896 $983 $5,524 $— $7,403 Owner-occupied, nonfarm nonresidential properties22,258 25,786