Company: CCNE
Filing Date: 2025-01-10
Form Type: 425
Source: 0001193125-25-004105
Chunk: 131

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-01-10
Form: 425
Chunk 131
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ed Average Accounts Opened Average Age Account Size Pre-2020 (5) (5) Yield on Loans: 5.19% Cost of Total Deposits: 2.34% (6) (6) CRE / TRBC: 292% Cost of IB Deposits: 2.76% Source: S&P Global Market Intelligence; Company documents; FDIC. (1) Excludes the administrative branch. (2) Greater Lehigh Valley is defined as Carbon, Lehigh, Monroe, and Northampton counties in Pennsylvania; Refer to page 9 for additional details. (3) Core Deposits excludes all time and brokered deposits. Data per Company documents with balances as of 10/31/2024. 7 (4) Loan and deposit composition per ESSA 2024 10-K. See page 21 for more detail. (5) GAAP data used for the quarter ended 9/30/2024. (6) Represents bank-level regulatory data for the quarter ended 9/30/2024.

Top 10 Combined Pennsylvania Franchise Combined Franchise Anticipated to be Top 10 (1) Deposit Share in Pennsylvania (5) Pro Forma Pennsylvania Branch Map CCNE (29) ESSA (20) ✓ $4.8 Billion in Total Pennsylvania Deposits ✓ 49 Total Branches in Pennsylvania ✓ $97 Million Pro Forma Average Branch Size Source: S&P Global Market Intelligence; FDIC. Note: FDIC data as of 6/30/2024. (1) Headquartered in Pennsylvania excluding banks with total assets greater than $100 billion as of 9/30/2024, mutuals, and credit unions. (2) Utilizes BHC data as of 9/30/2024. (3) Pro Forma for recently announced M&A transactions. Excludes purchase accounting and other merger-related adjustments. 8 (4) Excludes CUBI’s brokered and listing deposits as of 6/30/2024. (5) Branch counts only for CCNE’s Pennsylvania branches and excludes ESSA’s administrative branch.

Well-Positioned for Growth in the Highly Attractive Greater Lehigh Valley Market (2) Leading Community Bank Deposit Market Share (1) Scarcity Value in an Attractive and Robust Lehigh Valley Market Total Deposits in Market ($M) #1 #3 $55.7B Largest Bank Ranked Bank in Greater 2023 Local HQ’d In