Company: CCNE
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0000736772-25-000202
Chunk: 127

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-11-05
Form: 10-Q
Item: Item 3
Chunk 127
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, magnitude, and frequency of rate changes, market conditions, and management strategies.

The following table demonstrates the annualized result of an interest rate simulation and the estimated effect that a parallel interest rate shift, or "shock," in the yield curve and subjective adjustments in deposit pricing might have on the Corporation's projected net interest income over the next 12 months. This simulation assumes that there is no growth in interest-earning assets or interest-bearing liabilities over the next 12 months. The changes to net interest income shown below are in compliance with the Corporation's policy guidelines.

% Change in Net Interest IncomeSeptember 30, 2025December 31, 2024+300 basis points0.3%(0.2)%+200 basis points0.7%0.5%+100 basis points0.5%0.5%-100 basis points(1.6)%(1.1)%-200 basis points(1.8)%(1.4)%-300 basis points(2.4)%(3.3)%

At September 30, 2025, the Corporation has approximately $3.8 billion in outstanding loans receivable balances that are rate sensitive balances over the next twelve months.

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