Cnb Bank Mortgage Rates, Fees & Info

Clearfield, PA

LEI: 549300NBFK4GO76FTE84

Tax ID: 25-0422340

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Cnb Bank is a smaller bank specializing in Home Purchase loans. Cnb Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Buffalo, Columbus, Erie, Dubois, and Cleveland among others. We have data for 60 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cnb Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Cnb Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.66% 11/21/24
    30 Year Conventional Purchase 6.45% 11/21/24
    30 Year Conventional Refi 6.34% 11/21/24
    30 Year Cash-out Refi 6.46% 11/21/24
    15 Year Conventional Purchase 6.17% 11/21/24
    15 Year Conventional Refi 6.07% 11/21/24
    15 Year Cash-out Refi 6.07% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Cnb Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Cnb Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,756

    Origination Dollar Volume (All Markets)

    $419,800,000

    Employee count

    510 Show all (7) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 93 $183,655,000 $1,974,785 $2,527 5.04%
    COLUMBUS, OH (FHA|USDA|VA) 161 $44,255,000 $274,876 $1,254 4.73%
    ERIE, PA (FHA|USDA|VA) 238 $35,680,000 $149,916 $1,636 4.92%
    DuBois, PA (FHA|USDA|VA) 387 $31,225,000 $80,685 $1,337 4.86%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 68 $26,290,000 $386,618 $2,755 5.99%
    Meadville, PA (FHA|USDA|VA) 142 $13,130,000 $92,465 $1,300 4.67%
    St. Marys, PA (FHA|USDA|VA) 119 $12,305,000 $103,403 $1,266 4.78%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $10,740,000 $5,370,000 $0 5.15%
    STATE COLLEGE, PA (FHA|USDA|VA) 73 $6,285,000 $86,096 $1,050 4.73%
    Warren, PA (FHA|USDA|VA) 75 $6,075,000 $81,000 $1,285 5.09%
    Outside of Metro Areas 52 $4,570,000 $87,885 $1,515 4.82%
    Bradford, PA (FHA|USDA|VA) 85 $4,515,000 $53,118 $896 5.37%
    ALTOONA, PA (FHA|USDA|VA) 37 $4,295,000 $116,081 $1,488 5.34%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $2,890,000 $722,500 $1,216 4.06%
    Ashtabula, OH (FHA|USDA|VA) 17 $2,545,000 $149,706 $1,141 4.96%
    JOHNSTOWN, PA (FHA|USDA|VA) 31 $2,525,000 $81,452 $816 4.64%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 13 $2,285,000 $175,769 $2,117 4.58%
    PITTSBURGH, PA (FHA|USDA|VA) 12 $2,220,000 $185,000 $1,463 4.66%
    Bucyrus-Galion, OH (FHA|USDA|VA) 32 $2,140,000 $66,875 $893 4.90%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,095,000 $419,000 $4,000 4.10%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $6,937 4.38%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $1,575,000 $1,575,000 $0 2.75%
    Indiana, PA (FHA|USDA|VA) 15 $1,475,000 $98,333 $1,209 4.65%
    MANSFIELD, OH (FHA|USDA|VA) 12 $1,230,000 $102,500 $731 4.89%
    Marion, OH (FHA|USDA|VA) 10 $1,190,000 $119,000 $320 4.72%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,060,000 $530,000 $3,644 3.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $870,000 $435,000 $5,609 4.00%
    Mount Vernon, OH (FHA|USDA|VA) 11 $815,000 $74,091 $802 4.90%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $755,000 $755,000 $7,548 3.88%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $705,000 $705,000 $776 4.24%
    Olean, NY (FHA|USDA|VA) 3 $705,000 $235,000 $129 5.24%
    Huntingdon, PA (FHA|USDA|VA) 8 $660,000 $82,500 $832 5.36%
    Oil City, PA (FHA|USDA|VA) 7 $545,000 $77,857 $1,797 4.90%
    Celina, OH (FHA|USDA|VA) 1 $535,000 $535,000 $3,806 4.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $530,000 $265,000 $0 5.50%
    Norwalk, OH (FHA|USDA|VA) 3 $515,000 $171,667 $328 4.98%
    ROCHESTER, NY (FHA|USDA|VA) 2 $450,000 $225,000 $2,101 4.06%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $410,000 $205,000 $2,744 3.88%
    Bellefontaine, OH (FHA|USDA|VA) 2 $380,000 $190,000 $2,847 4.00%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $355,000 $355,000 $4,209 4.88%
    Somerset, PA (FHA|USDA|VA) 1 $325,000 $325,000 $775 4.24%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $305,000 $305,000 $1,335 3.99%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $285,000 $285,000 $2,627 4.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $265,000 $265,000 $0 6.09%
    LANCASTER, PA (FHA|USDA|VA) 1 $255,000 $255,000 $381 4.74%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,477 4.38%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,969 4.88%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.50%
    Lewisburg, PA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.50%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,949 3.88%
    Portsmouth, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,408 3.75%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $160,000 $80,000 $2,527 5.25%
    Lewistown, PA (FHA|USDA|VA) 1 $145,000 $145,000 $2,799 6.38%
    Tiffin, OH (FHA|USDA|VA) 2 $120,000 $60,000 $315 4.32%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,740 5.00%
    AKRON, OH (FHA|USDA|VA) 2 $70,000 $35,000 $318 5.74%
    READING, PA (FHA|USDA|VA) 1 $65,000 $65,000 $327 4.43%
    Ashland, OH (FHA|USDA|VA) 1 $35,000 $35,000 $320 4.24%
    TOLEDO, OH (FHA|USDA|VA) 1 $25,000 $25,000 $238 3.74%
    Cnb Bank's top markets include Buffalo, Columbus, Erie, Dubois, and Cleveland among others.

    Their top states include:
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against CNB Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Cleveland Selfreliance FCU
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    GREATER WOODLAWN FEDERAL CREDIT UNION
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    Similarity Rank: 133
    ERIE FEDERAL CREDIT UNION
    Similarity Rank: 143
    HOWARD HANNA FINANCIAL SERVICES, INC.
    Similarity Rank: 200
    Columbus Metro Federal Credit Union
    Similarity Rank: 224
    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 228

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,435 $383,365,000 $267,153 $1,417 4.91%
    HELOC 320 $35,800,000 $111,875 n/a 4.89%
    FHA 1 $635,000 $635,000 $0 7.25%

    For 2018, Cnb Bank's most frequently originated type of loan was Conventional, with 1,435 originations. Their 2nd most popular type was HELOC, with 320 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 638 $305,640,000 $479,060 $2,798 5.30%
    Refi 549 $74,465,000 $135,638 $692 4.74%
    Home Improvement 292 $19,790,000 $67,774 $331 4.68%
    Other 267 $18,565,000 $69,532 $362 4.58%
    Cash Out Refi 9 $1,275,000 $141,667 $3,013 4.53%
    NA 1 $65,000 $65,000 $327 3.74%

    For 2018, Cnb Bank's most frequently cited loan purpose was Home Purchase, with 638 originations. The 2nd most popular reason was Refi, with 549 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 761 $82,345,000 $108,206 $697 4.93%
    10 Year 264 $41,370,000 $156,705 $321 4.67%
    30 Year 230 $48,000,000 $208,696 $3,180 4.59%
    20 Year 169 $20,595,000 $121,864 $2,025 5.39%
    Other 144 $205,910,000 $1,429,931 $1,521 5.87%
    5 Year 133 $6,125,000 $46,053 $277 4.15%
    30+ year 38 $12,690,000 $333,947 $4,470 4.72%
    1 Year 11 $1,775,000 $161,364 $0 6.00%
    3 Year 6 $990,000 $165,000 $283 4.77%

    For 2018, Cnb Bank's most frequently cited loan duration was 15 Year, with 761 originations. The 2nd most popular length was 10 Year, with 264 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,153 $128,735,000 $111,652
    $1k-2k 38 $5,230,000 $137,632
    $2k-3k 11 $2,175,000 $197,727
    $3k-4k 3 $785,000 $261,667
    $4k-5k 1 $155,000 $155,000
    $5k+ 1 $235,000 $235,000

    Cnb Bank's average total fees were $3,180, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,153 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 825 $137,275,000 $166,394
    3-4% 393 $41,275,000 $105,025
    5-6% 323 $210,085,000 $650,418
    6-7% 157 $20,235,000 $128,885
    Over 8% 23 $2,715,000 $118,043
    7-8% 18 $1,880,000 $104,444
    2.5-3% 12 $5,390,000 $449,167

    During 2018, Cnb Bank's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 825 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,102 $55,610,000 $50,463 $863 4.90%
    $100k-200k 386 $53,240,000 $137,927 $1,990 4.88%
    $200k-400k 171 $44,935,000 $262,778 $2,784 4.75%
    $400k-600k 45 $21,885,000 $486,333 $3,565 4.50%
    $600k-1MM 28 $19,930,000 $711,786 $4,646 4.54%
    $1MM+ 24 $224,200,000 $9,341,667 $6,335 7.87%

    2018 saw Cnb Bank place emphasis on $100,000 or less loans with 1,102 originations, totaling $55,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 387 $22,665,000 $58,566 $1,367 5.16%
    $50k-75k 353 $25,665,000 $72,705 $1,179 4.85%
    $100k-150k 278 $32,980,000 $118,633 $1,465 4.65%
    $75k-100k 263 $24,115,000 $91,692 $1,345 4.78%
    $150k-250k 162 $25,120,000 $155,062 $1,464 4.41%
    $250k+ 127 $46,735,000 $367,992 $2,596 4.26%

    Cnb Bank lent most frequently to those with incomes in the $50k or less range, with 387 originations. The second most popular income band? $50k-75k, with 353 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 432 $43,470,000 $100,625 $1,216 4.67%
    30-36% 322 $37,910,000 $117,733 $1,434 4.80%
    <20% 231 $26,345,000 $114,048 $1,180 4.54%
    42% 81 $9,005,000 $111,173 $1,262 4.57%
    40% 81 $9,335,000 $115,247 $1,671 4.77%
    41% 65 $9,205,000 $141,615 $1,718 4.68%
    39% 62 $6,450,000 $104,032 $1,573 4.72%
    38% 57 $5,515,000 $96,754 $1,407 4.66%
    37% 55 $6,275,000 $114,091 $1,617 5.06%
    36% 54 $8,080,000 $149,630 $1,632 4.90%
    43% 17 $2,055,000 $120,882 $2,298 5.48%
    44% 10 $1,730,000 $173,000 $2,759 4.71%
    46% 7 $1,495,000 $213,571 $4,072 4.95%
    45% 6 $740,000 $123,333 $3,001 4.67%
    47% 5 $545,000 $109,000 $2,713 4.78%
    >60% 3 $435,000 $145,000 $1,921 5.56%
    48% 2 $80,000 $40,000 $1,784 5.72%
    50-60% 2 $240,000 $120,000 $2,080 7.18%
    49% 1 $235,000 $235,000 $375 4.24%

    Cnb Bank lent most frequently to those with DTI ratios of 20-30%, with 432 originations. The next most common DTI ratio? 30-36%, with 322 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 128 $235,600,000 $1,840,625 $0 6.51%
    White 1,575 $177,275,000 $112,556 $1,413 4.79%
    Not provided 27 $4,105,000 $152,037 $1,628 4.81%
    Asian 14 $1,680,000 $120,000 $1,486 4.53%
    Black 6 $530,000 $88,333 $2,782 5.05%
    Asian Indian 2 $320,000 $160,000 $318 4.12%
    Other Asian 2 $190,000 $95,000 $312 3.84%
    Chinese 1 $75,000 $75,000 $1,718 4.50%
    American Indian 1 $25,000 $25,000 $2,114 5.74%

    Approval Rates

    Total approvals of all applications
    87.79%

    Cnb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.46%

    Cnb Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    100.0 11 $335,000 $30,455
    NA 1,745 $419,465,000 $240,381

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $945,000 $315,000
    Multifamily:Site-Built 45 $222,905,000 $4,953,444
    Single Family (1-4 Units):Manufactured 103 $6,435,000 $62,476
    Single Family (1-4 Units):Site-Built 1,605 $189,515,000 $118,078

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 299 $22,835,000 $76,371 $517 4.83%
    40-60% 196 $27,930,000 $142,500 $1,020 4.72%
    60-80% 454 $110,280,000 $242,907 $1,878 4.99%
    80-100% 460 $81,200,000 $176,522 $2,205 5.10%
    Over 100% 47 $165,825,000 $3,528,191 $0 6.09%
    Under 20% 296 $11,380,000 $38,446 $318 4.49%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CNB Bank 1001 East Main Street Bradford, PA 16701 Full Service B&M $19,073
    CNB Bank 101 Industrial Park Road Clearfield, PA 16830 Full Service B&M $21,064
    CNB Bank 101 West 10th Street Erie, PA 16501 Full Service B&M $149,041
    CNB Bank 103 E. Main St Cardington, OH 43315 Full Service B&M $39,977
    CNB Bank 105 Washington Square Bucyrus, OH 44820 Full Service B&M $132,098
    CNB Bank 107 Lamppost Lane Duncansville, PA 16635 Full Service B&M $15,711
    CNB Bank 1104 Million Dollar Highway Kersey, PA 15846 Full Service B&M $43,723
    CNB Bank 111 Rolling Stone Road Kylertown, PA 16847 Full Service B&M $15,959
    CNB Bank 117 East Presqueisle Street Philipsburg, PA 16866 Full Service B&M $71,811
    CNB Bank 12 Chambers Street Bradford, PA 16701 Full Service B&M $58,960
    CNB Bank 1231 Old Town Rd Clearfield, PA 16830 Full Service B&M $38,101
    CNB Bank 133 Washington Street St. Marys, PA 15857 Full Service B&M $58,701
    CNB Bank 1574 Beeline Highway Du Bois, PA 15801 Full Service B&M $48,108
    CNB Bank 16039 Conneaut Lake Road, Suite 108 Meadville, PA 16335 Full Service B&M $10,350
    CNB Bank 1808 Bigler Avenue Northern Cambria, PA 15714 Full Service B&M $53,279
    CNB Bank 1921 B Free Rd Shiloh, OH 44878 Full Service B&M $21,368
    CNB Bank 2035 Edinboro Road Erie, PA 16509 Full Service B&M $180,525
    CNB Bank 2302 West 12th Street Erie, PA 16505 Full Service B&M $26,248
    CNB Bank 240 West Sandusky Street Fredericktown, OH 43019 Full Service B&M $36,198
    CNB Bank 25 Irwin Drive Philipsburg, PA 16866 Full Service B&M $33,290
    CNB Bank 2615 Asbury Road Erie, PA 16506 Full Service B&M $100,266
    CNB Bank 2821 Fishinger Rd Upper Arlington, OH 43221 Full Service B&M $39,764
    CNB Bank 301 Main Street Ridgway, PA 15853 Full Service B&M $70,345
    CNB Bank 301 Pennsylvania Avenue, Suite 101 Warren, PA 16365 Full Service B&M $58,857
    CNB Bank 3049 Orchard Park Road Orchard Park, NY 14127 Full Service B&M $52,519
    CNB Bank 3602 Main Street Karthaus, PA 16845 Full Service B&M $11,329
    CNB Bank 3606 State Road Ashtabula, OH 44004 Full Service B&M $30,624
    CNB Bank 4545 W. Dublin Granville Road Dublin, OH 43017 Full Service B&M $6,737
    CNB Bank 485 Spring Street Houtzdale, PA 16651 Full Service B&M $49,667
    CNB Bank 5190 Sheridan Drive Williamsville, NY 14221 Full Service B&M $73,316
    CNB Bank 535 Washington Street, Suite 101 Buffalo, NY 14203 Full Service B&M $39,958
    CNB Bank 559 West Mahoning Street Punxsutawney, PA 15767 Full Service B&M $52,244
    CNB Bank 5723 Buffalo Road Harborcreek, PA 16421 Full Service B&M $45,237
    CNB Bank 611 Lingle Street Osceola Mills, PA 16666 Full Service B&M $24,470
    CNB Bank 6600 North High Street Worthington, OH 43085 Full Service B&M $89,549
    CNB Bank 665 Philadelphia Street Indiana, PA 15701 Full Service B&M $22,697
    CNB Bank 7322 Mentor Ave Mentor, OH 44060 Full Service B&M $17,604
    CNB Bank 7402 Center Street Mentor, OH 44060 Full Service B&M $107,647
    CNB Bank 87 Fraley Street Kane, PA 16735 Full Service B&M $25,040
    CNB Bank 885 Park Avenue Meadville, PA 16335 Full Service B&M $155,779
    CNB Bank One South Second Street Clearfield, PA 16830 Full Service B&M $254,735

    For 2018, Cnb Bank had 41 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $128,151
    Net interest income $104,800
    Total noninterest income $19,115
    Gross Fiduciary activities income $3,945
    Service charges on deposit accounts $5,759
    Trading account gains and fees $-193
    Additional Noninterest Income $9,604
    Pre-tax net operating income $43,452
    Securities gains (or losses, -) $0
    Income before extraordinary items $36,061
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $36,061
    Minority interest net income $0
    Net income $36,061
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $36,061

    Cnb Bank's gross interest income from loans was $128,151,000.
    Cnb Bank's net interest income from loans was $104,800,000.
    Cnb Bank's fee based income from loans was $5,759,000.
    Cnb Bank's net income from loans was $36,061,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,351
    Provision for credit losses $4,000
    Total noninterest expense $76,463
    Salaries and employee benefits $40,146
    Premises and equipment expense $12,261
    Additional noninterest expense $24,056
    Applicable income taxes $7,391
    Net charge-offs $4,156
    Cash dividends $12,029

    Cnb Bank's interest expense for loans was $23,351,000.
    Cnb Bank's payroll and benefits expense were $40,146,000.
    Cnb Bank's property, plant and equipment expenses $12,261,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.1%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,611,214
    Deposits held in domestic offices $2,611,214
    Deposits by Individuals, partnerships, and corporations $2,373,537
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $237,678
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $189,296
    Demand deposits $91,117
    Nontransaction accounts $2,421,919
    Money market deposit accounts (MMDAs) $11,627
    Other savings deposits (excluding MMDAs) $2,014,885
    Total time deposits $395,406
    Total time and savings deposits $2,520,098
    Noninterest-bearing deposits $357,225
    Interest-bearing deposits $2,253,989
    Retail deposits $2,515,839
    IRAs and Keogh plan accounts $71,637
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,203,027
    Cash & Balances due from depository institutions $42,775
    Interest-bearing balances $216
    Total securities $516,517
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,449,556
    Loan and leases loss allowance $17,905
    Trading account assets $2,406
    Bank premises and fixed assets $48,917
    Other real estate owned $613
    Goodwill and other intangibles $40,827
    All other assets $101,416

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,203,027
    Total Liabilities $2,885,074
    Total deposits $2,611,214
    Interest-bearing deposits $2,253,989
    Deposits held in domestic offices $2,611,214
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $245,116
    Subordinated debt $0
    All other liabilities $28,744

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,449,556
    Loan and leases loss allowance $17,905
    Total loans and leases (domestic) $2,467,461
    All real estate loans $1,828,032
    Real estate loans in domestic offices $1,828,032
    Construction and development loans $198,804
    Residential 1-4 family construction $38,288
    Other construction, all land development and other land $160,516
    Loans secured by nonfarm nonresidential properties $719,763
    Nonfarm nonresidential secured by owner-occupied properties $284,600
    Commercial real estate & other non-farm, non-residential $435,163
    Multifamily residential real estate $127,277
    1-4 family residential loans $757,231
    Farmland loans $24,957
    Loans held in foreign offices $0
    Farm loans $4,414
    Commercial and industrial loans $406,880
    To non-U.S. addressees $0
    Loans to individuals $67,660
    Credit card loans $7,623
    Related Plans $20,866
    Consumer Auto Loans $25,468
    Other loans to individuals $13,703
    All other loans & leases $160,475
    Loans to foreign governments and official institutions $0
    Other loans $17,073
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,006
    Non 1-4 family restructured loans & leases $8,006
    Total loans and leases (foreign) $0

    CNB Bank had $2,449,556,000 of loans outstanding in 2018. $1,828,032,000 of loans were in real estate loans. $198,804,000 of loans were in development loans. $127,277,000 of loans were in multifamily mortgage loans. $757,231,000 of loans were in 1-4 family mortgage loans. $4,414,000 of loans were in farm loans. $7,623,000 of loans were in credit card loans. $25,468,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,397 $247,600 $177,237
    Nonfarm, nonresidential loans - <$100k 468 $18,358 $39,226
    Nonfarm, nonresidential loans - $100-250k 493 $61,408 $124,560
    Nonfarm, nonresidential loans - $250k-1MM 436 $167,834 $384,940
    Commercial & Industrial, US addressed loans - <$1MM 3,663 $197,753 $53,987
    Commercial & Industrial, US addressed loans - <$100k 2,908 $59,684 $20,524
    Commercial & Industrial, US addressed loans - $100-250k 411 $40,122 $97,620
    Commercial & Industrial, US addressed loans - $250k-1MM 344 $97,947 $284,730
    Farmland loans - <$1MM 63 $8,915 $141,508
    Farmland loans - <$100k 19 $1,124 $59,158
    Farmland loans - $100-250k 24 $3,101 $129,208
    Farmland loans - $250k-1MM 20 $4,690 $234,500
    Agriculture operations loans - <$1MM 71 $3,889 $54,775
    Agriculture operations loans - <$100k 54 $1,365 $25,278
    Agriculture operations loans - $100-250k 13 $1,232 $94,769
    Agriculture operations loans - $250k-1MM 4 $1,292 $323,000