Company: CCNE
Filing Date: 2025-03-03
Form Type: S-4/A
Source: 0001193125-25-044149
Chunk: 113

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-03-03
Form: S-4/A
Chunk 113
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 | 1.84 | % |
| Organic Loan Growth (Excluding Syndicated Loans)(1) |     |                  | 25.0 | % |     | $       | 339,577 |   |     | $      | 357,449 |   |     | $       | 411,066 |   |     |             |  5.03 | % |     | $                       | 169,308 |   |     |            | 0.00 | % |
| Deposit Growth (Excluding Time Deposits)(1)         |     |                  | 25.0 | % |     | $       | 273,552 |   |     | $      | 287,949 |   |     | $       | 331,141 |   |     |             |  5.03 | % |     | $                       | 222,062 |   |     |            | 0.00 | % |
| TOTAL                                               |     |                  |  100 | % |     |         |         |   |     |        |         |   |     |         |         |   |     |             | 20.13 | % |     |                         |         |   |     |            | 1.84 | % |

| (1) | In thousands |

77

Efficiency Ratio is calculated as non-interestexpense, less core deposit intangible amortization, divided by the sum of non-interestincome and net interest income, adjusted to include the tax equivalent income on tax exempt income from investments and loans. Based on the ratio of net charge-offs to average loans, the Incentive Plan payouts are subject to a reduction of up to 50% in accordance with the following table:

| CNB Bank net charge-offs / 
 Average CNB Bank loans     |     | Percentage of Incentive 
 Plan Award Forfeited    |    |   |
| Less than 0.20%            |     |                         |  0 | % |
| 0.20% to 0.24%             |     |                         | 10 | % |
| 0.25% to 0.29%             |     |                         | 20 | % |
| 0.30% to 0.34%             |     |                         | 30 | % |
| Greater than 0.34%         |     |                         | 50 | % |

This provision supports CNB’s disciplined asset