Company: CCNE
Filing Date: 2025-04-15
Form Type: 425
Source: 0001193125-25-080836
Chunk: 7

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-04-15
Form: 425
Chunk 7
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 0.50% 0.08% 0.08% 0.38% 0.05% 0.05% 0.25% 0.00% 0.00% 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 ALLOWANCE FOR CREDIT LOSSES TO NONACCRUAL LOANS 2.5 2.07 1.94 2.0 1.55 1.5 1.13 1.0 0.84 0.5 0.0 2020 2021 2022 2023 2024 (1) As discussed in the earnings release issued on January 28, 2025, the increase in nonperforming assets was primarily due to one commercial multifamily relationship totaling $20.4 million with a specific reserve balance of $885 thousand. Management does not believe there is risk of significant additional loss exposure beyond the specific reserves related to this loan relationship. 7

ADDITIONAL LOAN PORTFOLIO DETAIL § Well diversified Commercial & Industrial (“C&I”) portfolio with no single industry greater than 19% of total C&I portfolio § CNB has proven C&I underwriting practices and strong loan loss history § Commercial Mortgage portfolio is also well diversified with no single segment greater than 26% of the total Commercial Mortgage portfolio, and with the Commercial Office segment representing less than 8% of the total Commercial Mortgage portfolio (1) COMMERCIAL MORTGAGE DETAIL (12/31/24) C&I DETAIL (12/31/24) 8 (1) Does not include construction loans

ADDITIONAL COMMERCIAL MORTGAGE DETAIL (1) (1) (1) LODGING (12/31/24) OFFICE (12/31/24) MULTI-FAMILY (12/31/24) • Consists of 225 loans, totaling $367.6 • Consists of 170 loans, totaling $321.6 • Consists of 112 loans, totaling $113.7 million, or 7.98% of total loans million, or 6.98% of total loans million, or 2.47% of total loans outstanding. outstanding. outstanding. • Nonaccrual multi-family loans totaled • There were no nonaccrual commercial • There were no non