Company: CCNE
Filing Date: 2025-03-05
Form Type: 424B3
Source: 0001193125-25-047258
Chunk: 21

Company: CNB FINANCIAL CORP/PA
Filing Date: 2025-03-05
Form: 424B3
Chunk 21
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 address or telephone number listed below: |

| If you are a CNB shareholder:                                 |     | If you are an ESSA shareholder:    |
| Alliance Advisors, LLC                                        
 200 Broadacres Drive, 3rd Floor                               
 Bloomfield, NJ 07003 (833) 215-7302 CCNE@AllianceAdvisors.com |     | Laurel Hill Advisory Group, LLC.   
 2 Robbins Lane, Suite 201 Jericho, 
 New York 11753 (516) 933-3100      
 info@laurelhill.com                |

9

SUMMARY

This summary highlights selected information from this joint proxy statement/prospectus. It does not contain all of the information that may be important to you. We urge you to read carefully the entire document and the other documents to which this joint proxy statement/prospectus refers in order to fully understand the merger and the related transactions. See the section entitled “Where You Can Find More Information” beginning on page 186. Each item in this summary refers to the page of this joint proxy statement/prospectus on which that subject is discussed in more detail.

The Companies

CNB Financial Corporation(Page 32)

CNB is a financial holding company registered under the Bank Holding Company Act of 1956, as amended (the
“BHC Act”). It was incorporated under the laws of the Commonwealth of Pennsylvania in 1983 for the purpose of engaging in the business of a financial holding company. On April 26, 1984, CNB acquired all of the outstanding capital
stock of County National Bank, a national banking chartered institution. In December 2006, County National Bank changed its name to CNB Bank and became a state bank chartered in Pennsylvania and subject to regulation by the Pennsylvania Department
of Banking and Securities (the “PADOBS”) and the Federal Deposit Insurance Corporation (the “FDIC”). In October 2013, CNB acquired FC Banc Corp. and its subsidiary, The Farmers Citizens Bank. In July 2016, CNB acquired Lake
National Bank, and in July 2020, CNB acquired Bank of Akron.

In addition to CNB Bank, CNB has four other subsidiaries. CNB Securities Corporation is
incorporated in Delaware and currently maintains investments in debt and equity securities. CNB Insurance Agency, incorporated in Pennsylvania, provides for the sale of nonproprietary annuities and other insurance products. CNB Risk Management, Inc.
is a Delaware-based