Company: CCNE
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0000736772-25-000202
Chunk: 286

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-11-05
Form: 10-Q
Item: Item 2
Chunk 286
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5,907,115 LIABILITIES AND SHAREHOLDERS' EQUITY:Demand—interest-bearing$913,337 1.00 %$2,291 $682,690 0.86 %$1,477 Savings3,501,326 2.86 25,200 3,076,351 3.55 27,461 Time1,062,394 3.90 10,450 560,565 4.03 5,684 Total interest-bearing deposits5,477,057 2.75 37,941 4,319,606 3.19 34,622 Short-term borrowings218,871 4.08 2,251 — 0.00 — Finance lease liabilities18,079 5.49 250 236 5.06 3 Subordinated notes and debentures105,380 4.04 1,074 105,077 4.26 1,124 Total interest-bearing liabilities5,819,387 2.83 $41,516 4,424,919 3.21 $35,749 Demand—noninterest-bearing1,078,091 795,771 Other liabilities109,541 88,441 Total liabilities7,007,019 5,309,131 Shareholders' equity776,976 597,984 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY$7,783,995 $5,907,115 Interest income/Earning assets5.96 %$108,959 5.98 %$83,475 Interest expense/Interest-bearing liabilities2.83 41,516 3.21 35,749 Net interest spread3.13 %$67,443 2.77 %$47,726 Interest income/Earning assets5.96 %$108,959 5.98 %$83,475 Interest expense/Earning assets2.27 41,516 2.56 35,749 Net interest margin (fully tax-equivalent)3.69 %$67,443 3.42 %$47,726 

(1) Includes unamortized discounts and premiums.

(2) Average yields are stated on a fully taxable equivalent basis (calculated using statutory rates of 21%) resulting