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 and Refi loans. Cnb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Erie, Buffalo, Dubois, Columbus, and Cleveland among others. We have data for 64 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 a below 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% 11/23/24
    30 Year Conventional Purchase 6.45% 11/23/24
    30 Year Conventional Refi 6.34% 11/23/24
    30 Year Cash-out Refi 6.46% 11/23/24
    15 Year Conventional Purchase 6.17% 11/23/24
    15 Year Conventional Refi 6.07% 11/23/24
    15 Year Cash-out Refi 6.07% 11/23/24
    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

    1,890

    Origination Dollar Volume (All Markets)

    $348,190,000

    Employee count

    583 Show all (9) 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
    ERIE, PA (FHA|USDA|VA) 269 $65,575,000 $243,773 $1,788 4.71%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 150 $52,710,000 $351,400 $1,567 4.91%
    DuBois, PA (FHA|USDA|VA) 381 $38,335,000 $100,617 $1,349 4.79%
    COLUMBUS, OH (FHA|USDA|VA) 170 $34,730,000 $204,294 $1,692 4.69%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 83 $32,295,000 $389,096 $3,012 4.82%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $20,570,000 $10,285,000 $323 4.85%
    Meadville, PA (FHA|USDA|VA) 145 $13,355,000 $92,103 $1,560 4.72%
    St. Marys, PA (FHA|USDA|VA) 135 $13,135,000 $97,296 $1,229 4.80%
    Warren, PA (FHA|USDA|VA) 108 $9,230,000 $85,463 $1,714 4.95%
    Bradford, PA (FHA|USDA|VA) 99 $8,755,000 $88,434 $1,508 4.98%
    STATE COLLEGE, PA (FHA|USDA|VA) 66 $8,610,000 $130,455 $1,460 4.77%
    ALTOONA, PA (FHA|USDA|VA) 43 $6,475,000 $150,581 $1,962 4.84%
    LANCASTER, PA (FHA|USDA|VA) 1 $5,905,000 $5,905,000 $0 6.00%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $4,940,000 $2,470,000 $16,352 4.38%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $3,230,000 $1,615,000 $0 4.82%
    Outside of Metro Areas 37 $2,935,000 $79,324 $1,353 4.53%
    Ashtabula, OH (FHA|USDA|VA) 25 $2,555,000 $102,200 $1,997 4.80%
    JOHNSTOWN, PA (FHA|USDA|VA) 35 $2,445,000 $69,857 $970 4.81%
    Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 12 $2,320,000 $193,333 $1,436 4.55%
    Indiana, PA (FHA|USDA|VA) 16 $1,590,000 $99,375 $1,630 4.76%
    Marion, OH (FHA|USDA|VA) 8 $1,580,000 $197,500 $1,934 3.98%
    Bucyrus-Galion, OH (FHA|USDA|VA) 23 $1,565,000 $68,043 $893 4.88%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,560,000 $780,000 $3,200 3.88%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $4,871 3.50%
    Olean, NY (FHA|USDA|VA) 9 $1,015,000 $112,778 $955 4.58%
    WILMINGTON, NC (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,352 2.75%
    Zanesville, OH (FHA|USDA|VA) 2 $850,000 $425,000 $7,096 3.82%
    Key West, FL (FHA|USDA|VA) 2 $760,000 $380,000 $7,476 4.69%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $680,000 $340,000 $3,873 3.38%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $610,000 $152,500 $1,649 4.58%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $580,000 $290,000 $3,960 4.50%
    Mount Vernon, OH (FHA|USDA|VA) 6 $580,000 $96,667 $329 5.51%
    MANSFIELD, OH (FHA|USDA|VA) 7 $525,000 $75,000 $328 4.71%
    Greenwood, SC (FHA|USDA|VA) 1 $485,000 $485,000 $3,060 2.75%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $410,000 $205,000 $2,496 4.53%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $355,000 $355,000 $3,718 3.13%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $350,000 $87,500 $2,362 4.84%
    AKRON, OH (FHA|USDA|VA) 2 $340,000 $170,000 $2,733 5.13%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $335,000 $335,000 $3,748 2.75%
    TOLEDO, OH (FHA|USDA|VA) 1 $285,000 $285,000 $3,202 3.13%
    Sandusky, OH (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.75%
    Chillicothe, OH (FHA|USDA|VA) 1 $255,000 $255,000 $310 3.99%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,868 4.38%
    Huntingdon, PA (FHA|USDA|VA) 3 $205,000 $68,333 $315 5.22%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,188 3.63%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,500 4.63%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $195,000 $195,000 $2,886 3.50%
    Lewistown, PA (FHA|USDA|VA) 1 $155,000 $155,000 $333 4.74%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $145,000 $145,000 $249 4.24%
    Bellefontaine, OH (FHA|USDA|VA) 1 $135,000 $135,000 $302 3.49%
    Somerset, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.25%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $105,000 $105,000 $321 3.99%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,279 3.75%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.66%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.40%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $85,000 $85,000 $323 4.99%
    READING, PA (FHA|USDA|VA) 1 $75,000 $75,000 $219 3.99%
    Tiffin, OH (FHA|USDA|VA) 1 $65,000 $65,000 $266 4.99%
    Oil City, PA (FHA|USDA|VA) 2 $60,000 $30,000 $765 4.88%
    Norwalk, OH (FHA|USDA|VA) 2 $50,000 $25,000 $239 4.87%
    Batavia, NY (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.50%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.25%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $15,000 $15,000 $0 5.00%
    Cnb Bank's top markets include Erie, Buffalo, Dubois, Columbus, and Cleveland among others.

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

    NIAGARA'S CHOICE
    Similarity Rank: 12
    Cleveland Selfreliance FCU
    Similarity Rank: 33
    Widget Federal Credit Union
    Similarity Rank: 50
    BUFFALO METROPOLITAN FEDERAL CREDIT UNION
    Similarity Rank: 50
    InFirst Bank
    Similarity Rank: 78
    ONTARIO SHORES
    Similarity Rank: 90
    GREATER WOODLAWN FEDERAL CREDIT UNION
    Similarity Rank: 102
    Riverview Bank
    Similarity Rank: 105
    ERIE FEDERAL CREDIT UNION
    Similarity Rank: 112
    Reliance Savings Bank
    Similarity Rank: 121

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,561 $309,325,000 $198,158 $1,584 4.67%
    HELOC 329 $38,865,000 $118,131 n/a 5.29%

    For 2019, Cnb Bank's most frequently originated type of loan was Conventional, with 1,561 originations. Their 2nd most popular type was HELOC, with 329 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 688 $176,850,000 $257,049 $2,907 4.81%
    Refi 602 $122,520,000 $203,522 $1,037 4.71%
    Home Improvement 328 $24,960,000 $76,098 $311 4.83%
    Other 258 $21,070,000 $81,667 $383 4.82%
    Cash Out Refi 14 $2,790,000 $199,286 $4,563 3.89%

    For 2019, Cnb Bank's most frequently cited loan purpose was Home Purchase, with 688 originations. The 2nd most popular reason was Refi, with 602 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 804 $89,300,000 $111,070 $937 4.98%
    30 Year 278 $65,360,000 $235,108 $3,299 4.06%
    10 Year 274 $43,240,000 $157,810 $319 4.68%
    20 Year 210 $34,830,000 $165,857 $1,612 5.00%
    Other 135 $86,295,000 $639,222 $1,629 5.15%
    5 Year 119 $8,005,000 $67,269 $257 4.33%
    30+ year 37 $14,855,000 $401,486 $5,797 4.20%
    1 Year 28 $5,710,000 $203,929 $2,950 6.22%
    3 Year 5 $595,000 $119,000 $277 4.39%

    For 2019, Cnb Bank's most frequently cited loan duration was 15 Year, with 804 originations. The 2nd most popular length was 30 Year, with 278 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,213 $159,925,000 $131,843
    $1k-2k 50 $6,970,000 $139,400
    $2k-3k 14 $2,400,000 $171,429
    $3k-4k 9 $2,205,000 $245,000
    $4k-5k 8 $2,550,000 $318,750
    $5k+ 1 $435,000 $435,000

    Cnb Bank's average total fees were $3,299, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,213 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 943 $148,245,000 $157,206
    5-6% 427 $77,015,000 $180,363
    3-4% 371 $68,965,000 $185,889
    6-7% 92 $35,240,000 $383,043
    2.5-3% 24 $14,010,000 $583,750
    7-8% 18 $4,000,000 $222,222
    Over 8% 15 $715,000 $47,667

    During 2019, Cnb Bank's average interest rate for loans was 4.06%, while their most frequently originated rate bucket for loans was 4-5%, with 943 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,074 $56,190,000 $52,318 $815 4.92%
    $100k-200k 451 $62,925,000 $139,523 $1,936 4.68%
    $200k-400k 246 $65,970,000 $268,171 $3,336 4.49%
    $400k-600k 58 $27,310,000 $470,862 $4,124 4.26%
    $1MM+ 31 $112,665,000 $3,634,355 $8,623 4.99%
    $600k-1MM 30 $23,130,000 $771,000 $3,913 4.04%

    2019 saw Cnb Bank place emphasis on $100,000 or less loans with 1,074 originations, totaling $56,190,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 382 $32,350,000 $84,686 $1,496 4.86%
    $100k-150k 324 $40,420,000 $124,753 $1,549 4.61%
    $50k or less 323 $19,595,000 $60,666 $1,235 4.99%
    $75k-100k 278 $26,790,000 $96,367 $1,229 4.72%
    $150k-250k 197 $36,355,000 $184,543 $2,001 4.46%
    $250k+ 160 $61,110,000 $381,938 $2,849 4.21%

    Cnb Bank lent most frequently to those with incomes in the $50k-75k range, with 382 originations. The second most popular income band? $100k-150k, with 324 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 481 $61,805,000 $128,493 $1,540 4.58%
    30-36% 320 $37,060,000 $115,813 $1,459 4.74%
    <20% 265 $32,525,000 $122,736 $1,204 4.50%
    42% 79 $12,535,000 $158,671 $1,781 4.72%
    40% 75 $10,435,000 $139,133 $1,518 4.77%
    41% 65 $8,485,000 $130,538 $2,049 4.93%
    39% 59 $7,395,000 $125,339 $1,833 4.81%
    38% 58 $10,160,000 $175,172 $1,722 4.67%
    36% 56 $7,380,000 $131,786 $1,866 4.73%
    37% 55 $8,675,000 $157,727 $1,652 4.65%
    43% 18 $2,190,000 $121,667 $2,405 4.62%
    44% 12 $1,400,000 $116,667 $2,612 4.84%
    46% 9 $2,675,000 $297,222 $3,869 4.11%
    45% 6 $960,000 $160,000 $1,999 5.62%
    >60% 5 $675,000 $135,000 $1,407 4.88%
    48% 4 $450,000 $112,500 $1,070 5.77%
    47% 4 $300,000 $75,000 $2,144 4.21%
    50-60% 3 $1,005,000 $335,000 $266 4.75%
    49% 2 $230,000 $115,000 $1,299 5.18%

    Cnb Bank lent most frequently to those with DTI ratios of 20-30%, with 481 originations. The next most common DTI ratio? 30-36%, with 320 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,668 $232,060,000 $139,125 $1,565 4.71%
    Not applicable 152 $100,030,000 $658,092 $0 5.61%
    Asian Indian 8 $5,590,000 $698,750 $2,843 4.23%
    Not provided 29 $5,045,000 $173,966 $1,744 4.34%
    Asian 12 $2,160,000 $180,000 $2,579 4.29%
    Black 12 $1,720,000 $143,333 $1,625 4.66%
    Other Asian 5 $1,045,000 $209,000 $2,594 5.00%
    Other Pacific Islander 2 $390,000 $195,000 $0 5.37%
    American Indian 1 $75,000 $75,000 $0 5.19%
    Chinese 1 $75,000 $75,000 $2,539 3.88%

    Approval Rates

    Total approvals of all applications
    86.06%

    Cnb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.99%

    Cnb Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 2 $30,000 $15,000
    100.0 12 $530,000 $44,167
    NA 1,876 $347,630,000 $185,304

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 70 $105,330,000 $1,504,714
    Single Family (1-4 Units):Manufactured 98 $6,750,000 $68,878
    Single Family (1-4 Units):Site-Built 1,722 $236,110,000 $137,114

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 323 $62,895,000 $194,721 $405 4.84%
    40-60% 275 $35,075,000 $127,545 $1,050 4.82%
    60-80% 537 $138,585,000 $258,073 $2,101 4.85%
    80-100% 498 $99,490,000 $199,779 $2,432 4.64%
    Over 100% 5 $1,495,000 $299,000 $3,882 5.60%
    Under 20% 252 $10,650,000 $42,262 $322 4.74%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CNB Bank 1001 East Main Street Bradford, PA 16701 Full Service B&M $16,307
    CNB Bank 101 Industrial Park Road Clearfield, PA 16830 Full Service B&M $23,403
    CNB Bank 101 West 10th Street Erie, PA 16501 Full Service B&M $98,130
    CNB Bank 103 E. Main St Cardington, OH 43315 Full Service B&M $41,110
    CNB Bank 105 Washington Square Bucyrus, OH 44820 Full Service B&M $126,308
    CNB Bank 107 Lamppost Lane Duncansville, PA 16635 Full Service B&M $16,404
    CNB Bank 1104 Million Dollar Highway Kersey, PA 15846 Full Service B&M $43,522
    CNB Bank 111 Rolling Stone Road, Mountain View Shopping Center Kylertown, PA 16847 Full Service B&M $18,481
    CNB Bank 117 East Presqueisle Street Philipsburg, PA 16866 Full Service B&M $75,769
    CNB Bank 12 Chambers Street Bradford, PA 16701 Full Service B&M $53,600
    CNB Bank 1231 Old Town Rd Clearfield, PA 16830 Full Service B&M $37,608
    CNB Bank 133 Washington Street St. Marys, PA 15857 Full Service B&M $61,225
    CNB Bank 1574 Beeline Highway Du Bois, PA 15801 Full Service B&M $48,749
    CNB Bank 16039 Conneaut Lake Road, Suite 108 Meadville, PA 16335 Full Service B&M $10,724
    CNB Bank 1808 Bigler Avenue Northern Cambria, PA 15714 Full Service B&M $51,200
    CNB Bank 1921 B Free Rd Shiloh, OH 44878 Full Service B&M $21,202
    CNB Bank 2035 Edinboro Road Erie, PA 16509 Full Service B&M $230,777
    CNB Bank 2302 West 12th Street Erie, PA 16505 Full Service B&M $36,741
    CNB Bank 240 West Sandusky Street Fredericktown, OH 43019 Full Service B&M $33,822
    CNB Bank 25 Irwin Drive Philipsburg, PA 16866 Full Service B&M $38,136
    CNB Bank 2615 Asbury Road Erie, PA 16506 Full Service B&M $91,474
    CNB Bank 2821 Fishinger Rd Upper Arlington, OH 43221 Full Service B&M $35,515
    CNB Bank 301 Main Street Ridgway, PA 15853 Full Service B&M $63,530
    CNB Bank 301 Pennsylvania Avenue, Suite 101 Warren, PA 16365 Full Service B&M $60,438
    CNB Bank 3049 Orchard Park Road Orchard Park, NY 14127 Full Service B&M $140,684
    CNB Bank 3602 Main Street Karthaus, PA 16845 Full Service B&M $12,249
    CNB Bank 3606 State Road Ashtabula, OH 44004 Full Service B&M $31,175
    CNB Bank 4545 W. Dublin Granville Road Dublin, OH 43017 Full Service B&M $6,947
    CNB Bank 485 Spring Street Houtzdale, PA 16651 Full Service B&M $47,335
    CNB Bank 5190 Sheridan Drive Williamsville, NY 14221 Full Service B&M $159,597
    CNB Bank 535 Washington Street, Suite 101 Buffalo, NY 14203 Full Service B&M $80,213
    CNB Bank 559 West Mahoning Street Punxsutawney, PA 15767 Full Service B&M $51,046
    CNB Bank 5723 Buffalo Road Harborcreek, PA 16421 Full Service B&M $38,485
    CNB Bank 611 Lingle Street Osceola Mills, PA 16666 Full Service B&M $25,913
    CNB Bank 6600 North High Street Worthington, OH 43085 Full Service B&M $86,228
    CNB Bank 665 Philadelphia Street Indiana, PA 15701 Full Service B&M $23,258
    CNB Bank 6947 Williams Road Niagara Falls, NY 14304 Full Service B&M $53,154
    CNB Bank 7322 Mentor Ave Mentor, OH 44060 Full Service B&M $16,426
    CNB Bank 7402 Center Street Mentor, OH 44060 Full Service B&M $119,221
    CNB Bank 87 Fraley Street Kane, PA 16735 Full Service B&M $27,746
    CNB Bank 885 Park Avenue Meadville, PA 16335 Full Service B&M $180,812
    CNB Bank One South Second Street Clearfield, PA 16830 Full Service B&M $303,505

    For 2019, Cnb Bank had 42 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $151,781
    Net interest income $115,947
    Total noninterest income $22,588
    Gross Fiduciary activities income $4,328
    Service charges on deposit accounts $6,402
    Trading account gains and fees $507
    Additional Noninterest Income $11,351
    Pre-tax net operating income $49,170
    Securities gains (or losses, -) $148
    Income before extraordinary items $40,276
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $40,276
    Minority interest net income $0
    Net income $40,276
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $40,154

    Cnb Bank's gross interest income from loans was $151,781,000.
    Cnb Bank's net interest income from loans was $115,947,000.
    Cnb Bank's fee based income from loans was $6,402,000.
    Cnb Bank's net income from loans was $40,276,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $35,834
    Provision for credit losses $4,005
    Total noninterest expense $85,360
    Salaries and employee benefits $44,596
    Premises and equipment expense $11,861
    Additional noninterest expense $28,903
    Applicable income taxes $9,042
    Net charge-offs $4,384
    Cash dividends $12,696

    Cnb Bank's interest expense for loans was $35,834,000.
    Cnb Bank's payroll and benefits expense were $44,596,000.
    Cnb Bank's property, plant and equipment expenses $11,861,000.

    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 0.0%
    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 $3,102,630
    Deposits held in domestic offices $3,102,630
    Deposits by Individuals, partnerships, and corporations $2,868,598
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $234,032
    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 $198,001
    Demand deposits $133,747
    Nontransaction accounts $2,904,629
    Money market deposit accounts (MMDAs) $9,787
    Other savings deposits (excluding MMDAs) $2,467,045
    Total time deposits $427,796
    Total time and savings deposits $2,968,883
    Noninterest-bearing deposits $382,562
    Interest-bearing deposits $2,720,068
    Retail deposits $3,000,563
    IRAs and Keogh plan accounts $74,908
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,740,508
    Cash & Balances due from depository institutions $187,202
    Interest-bearing balances $145,627
    Total securities $541,959
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,779,667
    Loan and leases loss allowance $17,526
    Trading account assets $3,170
    Bank premises and fixed assets $71,882
    Other real estate owned $1,633
    Goodwill and other intangibles $40,338
    All other assets $114,657

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,740,508
    Total Liabilities $3,383,822
    Total deposits $3,102,630
    Interest-bearing deposits $2,720,068
    Deposits held in domestic offices $3,102,630
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $246,592
    Subordinated debt $0
    All other liabilities $34,600

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,779,667
    Loan and leases loss allowance $17,526
    Total loans and leases (domestic) $2,797,193
    All real estate loans $2,052,558
    Real estate loans in domestic offices $2,052,558
    Construction and development loans $299,739
    Residential 1-4 family construction $22,426
    Other construction, all land development and other land $277,313
    Loans secured by nonfarm nonresidential properties $801,049
    Nonfarm nonresidential secured by owner-occupied properties $333,096
    Commercial real estate & other non-farm, non-residential $467,953
    Multifamily residential real estate $124,387
    1-4 family residential loans $800,184
    Farmland loans $27,199
    Loans held in foreign offices $0
    Farm loans $3,407
    Commercial and industrial loans $474,714
    To non-U.S. addressees $0
    Loans to individuals $106,534
    Credit card loans $7,569
    Related Plans $52,353
    Consumer Auto Loans $27,733
    Other loans to individuals $18,879
    All other loans & leases $159,980
    Loans to foreign governments and official institutions $0
    Other loans $20,928
    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 $6,766
    Non 1-4 family restructured loans & leases $6,766
    Total loans and leases (foreign) $0

    CNB Bank had $2,779,667,000 of loans outstanding in 2019. $2,052,558,000 of loans were in real estate loans. $299,739,000 of loans were in development loans. $124,387,000 of loans were in multifamily mortgage loans. $800,184,000 of loans were in 1-4 family mortgage loans. $3,407,000 of loans were in farm loans. $7,569,000 of loans were in credit card loans. $27,733,000 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 1,425 $261,507 $183,514
    Nonfarm, nonresidential loans - <$100k 454 $17,241 $37,976
    Nonfarm, nonresidential loans - $100-250k 517 $64,060 $123,907
    Nonfarm, nonresidential loans - $250k-1MM 454 $180,206 $396,930
    Commercial & Industrial, US addressed loans - <$1MM 3,357 $207,107 $61,694
    Commercial & Industrial, US addressed loans - <$100k 2,535 $58,175 $22,949
    Commercial & Industrial, US addressed loans - $100-250k 447 $43,356 $96,993
    Commercial & Industrial, US addressed loans - $250k-1MM 375 $105,576 $281,536
    Farmland loans - <$1MM 70 $9,149 $130,700
    Farmland loans - <$100k 20 $1,071 $53,550
    Farmland loans - $100-250k 32 $4,074 $127,313
    Farmland loans - $250k-1MM 18 $4,004 $222,444
    Agriculture operations loans - <$1MM 76 $2,857 $37,592
    Agriculture operations loans - <$100k 63 $1,302 $20,667
    Agriculture operations loans - $100-250k 11 $1,102 $100,182
    Agriculture operations loans - $250k-1MM 2 $453 $226,500