Company: CCNE
Filing Date: 2025-05-07
Form Type: 10-Q
Source: 0000736772-25-000087
Chunk: 132

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-05-07
Form: 10-Q
Item: Item 8
Chunk 132
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 close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Corporation’s credit position at some future date.Substandard: A loan classified as substandard is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. The loan has a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected.

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Doubtful: A loan classified as doubtful has all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.The following tables represent the Corporation's commercial credit risk profile by risk rating. Loans receivable not rated as special mention, substandard, or doubtful are considered to be pass rated loans.March 31, 2025Non-Pass RatedPassSpecial MentionSubstandardDoubtfulTotal Non-PassTotalFarmland$23,648 $— $5,750 $— $5,750 $29,398 Owner-occupied, nonfarm nonresidential properties497,876 1,286 21,336 — 22,622 520,498 Agricultural production and other loans to farmers6,405 — — — — 6,405 Commercial and Industrial643,154 6,522 59,014 — 65,536 708,690 Obligations (other than securities and leases) of states and political subdivisions137,149 — — — — 137,149 Other loans27,457 — — — — 27,457 Other construction loans and all land development and other land loans275,025 10,115 1,424 — 11,539 286,564 Multifamily (5 or more) residential properties399,481 — 26,521 — 26,521 426,002 Non-owner occupied, nonfarm nonresidential properties1,016,911 2,970 21,569 — 24,539 1,041,450 Total$3,027,106 $20,893 $135,614 $— $156