Company: CCNE
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0000736772-25-000169
Chunk: 221

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-08-07
Form: 10-Q
Item: Item 8
Chunk 221
---
 AND SHAREHOLDERS' EQUITY:Demand—interest-bearing$706,412 0.93 %$3,246 $726,681 0.70 %$2,537 Savings3,119,542 3.05 47,126 3,031,438 3.52 53,075 Time740,719 3.96 14,538 517,287 3.78 9,730 Total interest-bearing deposits4,566,673 2.87 64,910 4,275,406 3.07 65,342 Short-term borrowings— 0.00 — — 0.00 — Finance lease liabilities16,005 5.77 458 271 4.45 6 Subordinated notes and debentures105,266 4.13 2,154 104,963 4.35 2,270 Total interest-bearing liabilities4,687,944 2.90 $67,522 4,380,640 3.10 $67,618 Demand—noninterest-bearing821,927 749,124 Other liabilities91,291 82,730 Total liabilities5,601,162 5,212,494 Shareholders' equity626,739 579,991 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY$6,227,901 $5,792,485 Interest income/Earning assets5.81 %$168,675 5.85 %$158,988 Interest expense/Interest-bearing liabilities2.90 67,522 3.10 67,618 Net interest spread2.91 %$101,153 2.75 %$91,370 Interest income/Earning assets5.81 %$168,675 5.85 %$158,988 Interest expense/Earning assets2.33 67,522 2.49 67,618 Net interest margin (fully tax-equivalent)3.48 %$101,153 3.36 %$91,370 

(1) Includes unamortized discounts and premiums.

(2) Average yields are stated on a fully taxable equivalent basis (calculated using statutory rates of 21%) resulting from tax-free municipal securities in the investment portfolio and tax-free municipal loans in the commercial