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

Jump to:

Mortgage Data

Bank Data

Review & Overview

Cnb Bank is a smaller bank specializing in Refi and Home Purchase loans. Cnb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Cleveland, Buffalo, Columbus, Erie, and Dubois among others. We have data for 78 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% 3/28/24
30 Year Conventional Purchase 6.45% 3/28/24
30 Year Conventional Refi 6.34% 3/28/24
30 Year Cash-out Refi 6.46% 3/28/24
15 Year Conventional Purchase 6.17% 3/28/24
15 Year Conventional Refi 6.07% 3/28/24
15 Year Cash-out Refi 6.07% 3/28/24
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

2,312

Origination Dollar Volume (All Markets)

$629,510,000

Employee count

603

Awards

CNB Bank 30 Year Conventional Loans bronze CNB Bank 30 Year Conventional Loans bronze CNB Bank 30 Year Conventional Loans gold
Show all (3) 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
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 114 $139,410,000 $1,222,895 $3,644 3.76%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 279 $92,035,000 $329,875 $2,915 3.92%
COLUMBUS, OH (FHA|USDA|VA) 191 $84,685,000 $443,377 $2,697 3.61%
ERIE, PA (FHA|USDA|VA) 287 $50,795,000 $176,986 $2,434 3.74%
DuBois, PA (FHA|USDA|VA) 420 $43,950,000 $104,643 $1,592 3.85%
PITTSBURGH, PA (FHA|USDA|VA) 15 $34,665,000 $2,311,000 $3,825 3.71%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $18,835,000 $18,835,000 $0 4.55%
Meadville, PA (FHA|USDA|VA) 165 $18,125,000 $109,848 $1,669 3.91%
St. Marys, PA (FHA|USDA|VA) 154 $17,550,000 $113,961 $1,642 3.70%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $13,965,000 $13,965,000 $0 4.00%
STATE COLLEGE, PA (FHA|USDA|VA) 94 $11,900,000 $126,596 $1,577 3.80%
Warren, PA (FHA|USDA|VA) 101 $11,705,000 $115,891 $1,237 4.16%
TOLEDO, OH (FHA|USDA|VA) 5 $9,075,000 $1,815,000 $2,647 3.38%
Outside of Metro Areas 59 $7,505,000 $127,203 $2,265 3.78%
Bradford, PA (FHA|USDA|VA) 90 $7,460,000 $82,889 $1,506 4.07%
ALTOONA, PA (FHA|USDA|VA) 57 $6,315,000 $110,789 $1,944 4.05%
JOHNSTOWN, PA (FHA|USDA|VA) 39 $3,625,000 $92,949 $904 3.99%
Indiana, PA (FHA|USDA|VA) 26 $3,590,000 $138,077 $2,228 3.72%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 16 $3,490,000 $218,125 $2,525 3.82%
Ashtabula, OH (FHA|USDA|VA) 24 $3,280,000 $136,667 $2,506 3.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $3,200,000 $1,600,000 $299 4.01%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $2,900,000 $725,000 $6,072 3.22%
Bucyrus-Galion, OH (FHA|USDA|VA) 37 $2,745,000 $74,189 $1,627 4.09%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $2,455,000 $2,455,000 $10,260 2.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 7 $2,085,000 $297,857 $2,630 3.83%
WHEELING, WV-OH (FHA|USDA|VA) 1 $1,935,000 $1,935,000 $0 4.43%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,700,000 $425,000 $3,937 3.04%
Marion, OH (FHA|USDA|VA) 14 $1,680,000 $120,000 $1,822 3.69%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $1,590,000 $795,000 $0 4.00%
AKRON, OH (FHA|USDA|VA) 3 $1,575,000 $525,000 $2,842 4.13%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,560,000 $780,000 $3,953 2.94%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,520,000 $380,000 $3,817 2.91%
Olean, NY (FHA|USDA|VA) 8 $1,440,000 $180,000 $3,471 3.47%
ROCHESTER, NY (FHA|USDA|VA) 2 $1,360,000 $680,000 $4,358 3.50%
Tiffin, OH (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $0 4.43%
Fremont, OH (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $0 4.43%
Mount Vernon, OH (FHA|USDA|VA) 9 $1,125,000 $125,000 $2,560 3.34%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $1,060,000 $530,000 $3,416 2.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,060,000 $265,000 $2,799 3.65%
Key West, FL (FHA|USDA|VA) 2 $950,000 $475,000 $5,155 2.94%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $880,000 $440,000 $5,022 3.06%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $875,000 $175,000 $0 4.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $820,000 $410,000 $9,113 5.31%
MANSFIELD, OH (FHA|USDA|VA) 5 $775,000 $155,000 $1,912 4.18%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $705,000 $705,000 $4,301 2.75%
Huntingdon, PA (FHA|USDA|VA) 5 $645,000 $129,000 $3,946 4.04%
Batavia, NY (FHA|USDA|VA) 5 $595,000 $119,000 $1,369 4.23%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $585,000 $585,000 $3,461 2.75%
LANCASTER, PA (FHA|USDA|VA) 2 $550,000 $275,000 $9,353 4.00%
Oil City, PA (FHA|USDA|VA) 4 $460,000 $115,000 $2,674 3.82%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $445,000 $445,000 $5,233 2.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $435,000 $435,000 $8,889 2.38%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $410,000 $205,000 $1,427 3.37%
Norwalk, OH (FHA|USDA|VA) 3 $405,000 $135,000 $3,883 3.80%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $380,000 $190,000 $0 4.31%
Chillicothe, OH (FHA|USDA|VA) 1 $335,000 $335,000 $3,362 2.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $275,000 $275,000 $752 3.59%
Lock Haven, PA (FHA|USDA|VA) 1 $275,000 $275,000 $3,168 3.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $235,000 $235,000 $2,845 2.25%
WILMINGTON, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,738 2.88%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $215,000 $215,000 $2,495 3.25%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $205,000 $205,000 $3,075 2.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,038 3.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,021 3.13%
Lewistown, PA (FHA|USDA|VA) 1 $175,000 $175,000 $341 3.64%
READING, PA (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.00%
Findlay, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,899 3.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $105,000 $105,000 $647 3.59%
Ashland, OH (FHA|USDA|VA) 1 $75,000 $75,000 $324 4.49%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $75,000 $75,000 $323 3.59%
Salem, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%
Urbana, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.75%
LIMA, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.35%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $35,000 $35,000 $270 2.74%
Cnb Bank's top markets include Cleveland, Buffalo, Columbus, Erie, and Dubois among others.

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

    Widget Federal Credit Union
    Similarity Rank: 40
    ONTARIO SHORES
    Similarity Rank: 111
    Bank of Akron
    Similarity Rank: 114
    InFirst Bank
    Similarity Rank: 126
    RIVERSIDE
    Similarity Rank: 128
    Commodore Bank
    Similarity Rank: 153
    Ohio Catholic Federal Credit Union
    Similarity Rank: 203
    Marquette Savings Bank
    Similarity Rank: 204

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,931 $546,775,000 $283,156 $2,097 3.70%
    HELOC 381 $82,735,000 $217,152 n/a 4.46%

    For 2020, Cnb Bank's most frequently originated type of loan was Conventional, with 1,931 originations. Their 2nd most popular type was HELOC, with 381 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 899 $202,795,000 $225,578 $1,523 3.66%
    Home Purchase 784 $355,570,000 $453,533 $3,258 3.86%
    Home Improvement 316 $32,820,000 $103,861 $326 4.21%
    Other 228 $20,010,000 $87,763 $381 4.16%
    Cash Out Refi 85 $18,315,000 $215,471 $5,033 3.04%

    For 2020, Cnb Bank's most frequently cited loan purpose was Refi, with 899 originations. The 2nd most popular reason was Home Purchase, with 784 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 1,031 $131,315,000 $127,367 $1,236 4.01%
    30 Year 464 $120,930,000 $260,625 $3,704 3.22%
    10 Year 283 $91,525,000 $323,410 $420 4.04%
    20 Year 187 $26,585,000 $142,166 $2,394 4.00%
    Other 155 $154,235,000 $995,065 $2,045 4.05%
    5 Year 111 $27,715,000 $249,685 $291 3.67%
    30+ year 53 $25,235,000 $476,132 $6,180 3.17%
    1 Year 19 $2,905,000 $152,895 $0 4.66%
    3 Year 9 $49,065,000 $5,451,667 $215 3.99%

    For 2020, Cnb Bank's most frequently cited loan duration was 15 Year, with 1,031 originations. The 2nd most popular length was 30 Year, with 464 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,474 $235,200,000 $159,566
    $1k-2k 89 $12,725,000 $142,978
    $2k-3k 74 $14,340,000 $193,784
    $3k-4k 28 $7,450,000 $266,071
    $5k+ 12 $4,150,000 $345,833
    $4k-5k 10 $3,210,000 $321,000

    Cnb Bank's average total fees were $3,704, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,474 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,284 $242,200,000 $188,629
    4-5% 536 $248,210,000 $463,078
    2.5-3% 345 $109,455,000 $317,261
    5-6% 73 $17,225,000 $235,959
    <2.5% 39 $9,365,000 $240,128
    6-7% 18 $1,050,000 $58,333
    Over 8% 9 $575,000 $63,889
    7-8% 5 $195,000 $39,000

    During 2020, Cnb Bank's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 1,284 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,070 $58,830,000 $54,981 $982 4.09%
    $100k-200k 675 $96,765,000 $143,356 $2,233 3.72%
    $200k-400k 383 $105,035,000 $274,243 $3,578 3.44%
    $400k-600k 91 $43,905,000 $482,473 $4,482 3.28%
    $1MM+ 55 $295,395,000 $5,370,818 $7,528 3.95%
    $600k-1MM 38 $29,580,000 $778,421 $5,173 3.39%

    2020 saw Cnb Bank place emphasis on $100,000 or less loans with 1,070 originations, totaling $58,830,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 449 $66,555,000 $148,229 $2,207 3.71%
    $50k-75k 392 $37,790,000 $96,403 $1,837 3.89%
    $50k or less 378 $24,660,000 $65,238 $1,446 4.10%
    $75k-100k 315 $37,215,000 $118,143 $1,963 3.87%
    $150k-250k 298 $62,550,000 $209,899 $2,495 3.54%
    $250k+ 214 $88,030,000 $411,355 $3,707 3.42%

    Cnb Bank lent most frequently to those with incomes in the $100k-150k range, with 449 originations. The second most popular income band? $50k-75k, with 392 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 651 $91,245,000 $140,161 $1,856 3.77%
    <20% 385 $68,005,000 $176,636 $2,233 3.71%
    30-36% 375 $54,125,000 $144,333 $2,124 3.77%
    42% 101 $19,105,000 $189,158 $1,774 3.96%
    40% 74 $12,200,000 $164,865 $2,453 3.68%
    37% 71 $10,825,000 $152,465 $2,289 3.75%
    41% 67 $9,215,000 $137,537 $2,249 3.84%
    39% 64 $10,340,000 $161,563 $2,222 3.72%
    36% 61 $8,785,000 $144,016 $2,203 3.75%
    38% 59 $11,135,000 $188,729 $2,562 3.65%
    43% 15 $2,335,000 $155,667 $2,645 3.88%
    44% 13 $4,315,000 $331,923 $3,669 3.35%
    46% 12 $2,720,000 $226,667 $4,011 3.20%
    45% 12 $2,430,000 $202,500 $3,493 3.42%
    50-60% 7 $2,325,000 $332,143 $4,241 3.13%
    47% 4 $730,000 $182,500 $3,022 3.66%
    49% 3 $525,000 $175,000 $3,533 3.58%
    48% 2 $270,000 $135,000 $2,677 4.00%
    >60% 2 $240,000 $120,000 $212 4.30%

    Cnb Bank lent most frequently to those with DTI ratios of 20-30%, with 651 originations. The next most common DTI ratio? <20%, with 385 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,041 $304,935,000 $149,405 $2,055 3.78%
    Not applicable 162 $298,380,000 $1,841,852 $0 4.60%
    Not provided 49 $9,405,000 $191,939 $2,746 3.62%
    Asian 24 $7,190,000 $299,583 $3,096 3.21%
    Black 19 $4,745,000 $249,737 $2,797 3.94%
    Asian Indian 12 $4,590,000 $382,500 $3,566 2.92%
    Other Asian 2 $150,000 $75,000 $1,759 5.62%
    American Indian 2 $80,000 $40,000 $334 3.70%
    Filipino 1 $35,000 $35,000 $2,107 4.00%

    Approval Rates

    Total approvals of all applications
    88.22%

    Cnb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.02%

    Cnb Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    100.0 12 $430,000 $35,833
    NA 2,300 $629,080,000 $273,513

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $1,445,000 $481,667
    Multifamily:Site-Built 85 $284,615,000 $3,348,412
    Single Family (1-4 Units):Manufactured 88 $6,790,000 $77,159
    Single Family (1-4 Units):Site-Built 2,136 $336,660,000 $157,612

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 339 $34,705,000 $102,375 $620 4.03%
    40-60% 332 $94,250,000 $283,886 $1,604 3.87%
    60-80% 690 $275,660,000 $399,507 $2,639 3.78%
    80-100% 704 $150,810,000 $214,219 $2,682 3.70%
    Over 100% 10 $17,930,000 $1,793,000 $2,977 4.60%
    Under 20% 235 $54,945,000 $233,809 $520 3.97%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Cnb Bank 1001 East Main Street Bradford, PA 16701 Full Service B&M $0
    Cnb Bank 101 Industrial Park Road Clearfield, PA 16830 Full Service B&M $29,712
    Cnb Bank 101 West 10th Street Erie, PA 16501 Full Service B&M $186,928
    Cnb Bank 103 E. Main St Cardington, OH 43315 Full Service B&M $44,515
    Cnb Bank 105 Washington Square Bucyrus, OH 44820 Full Service B&M $135,379
    Cnb Bank 107 Lamppost Lane Duncansville, PA 16635 Full Service B&M $26,445
    Cnb Bank 1104 Million Dollar Highway Kersey, PA 15846 Full Service B&M $53,827
    Cnb Bank 111 Rolling Stone Road, Mountain View Shopping Center Kylertown, PA 16847 Full Service B&M $33,867
    Cnb Bank 117 East Presqueisle Street Philipsburg, PA 16866 Full Service B&M $81,384
    Cnb Bank 12 Chambers Street Bradford, PA 16701 Full Service B&M $89,161
    Cnb Bank 1231 Old Town Rd Clearfield, PA 16830 Full Service B&M $45,321
    Cnb Bank 133 Washington Street St. Marys, PA 15857 Full Service B&M $76,686
    Cnb Bank 1574 Beeline Highway Du Bois, PA 15801 Full Service B&M $63,184
    Cnb Bank 16039 Conneaut Lake Road, Suite 108 Meadville, PA 16335 Full Service B&M $14,733
    Cnb Bank 1808 Bigler Avenue Northern Cambria, PA 15714 Full Service B&M $58,562
    Cnb Bank 1921 B Free Rd Shiloh, OH 44878 Full Service B&M $22,581
    Cnb Bank 2035 Edinboro Road Erie, PA 16509 Full Service B&M $197,710
    Cnb Bank 2302 West 12th Street Erie, PA 16505 Full Service B&M $43,725
    Cnb Bank 240 West Sandusky Street Fredericktown, OH 43019 Full Service B&M $40,869
    Cnb Bank 25 Irwin Drive Philipsburg, PA 16866 Full Service B&M $40,945
    Cnb Bank 2615 Asbury Road Erie, PA 16506 Full Service B&M $113,403
    Cnb Bank 2821 Fishinger Rd Upper Arlington, OH 43221 Full Service B&M $42,693
    Cnb Bank 301 Main Street Ridgway, PA 15853 Full Service B&M $74,764
    Cnb Bank 301 Pennsylvania Avenue, Suite 101 Warren, PA 16365 Full Service B&M $70,136
    Cnb Bank 3049 Orchard Park Road Orchard Park, NY 14127 Full Service B&M $228,486
    Cnb Bank 3602 Main Street Karthaus, PA 16845 Full Service B&M $0
    Cnb Bank 3606 State Road Ashtabula, OH 44004 Full Service B&M $46,256
    Cnb Bank 4545 W. Dublin Granville Road Dublin, OH 43017 Full Service B&M $10,464
    Cnb Bank 485 Spring Street Houtzdale, PA 16651 Full Service B&M $56,055
    Cnb Bank 5190 Sheridan Drive Williamsville, NY 14221 Full Service B&M $250,686
    Cnb Bank 535 Washington Street, Suite 101 Buffalo, NY 14203 Full Service B&M $167,608
    Cnb Bank 559 West Mahoning Street Punxsutawney, PA 15767 Full Service B&M $61,989
    Cnb Bank 5723 Buffalo Road Harborcreek, PA 16421 Full Service B&M $44,820
    Cnb Bank 611 Lingle Street Osceola Mills, PA 16666 Full Service B&M $28,563
    Cnb Bank 6600 North High Street Worthington, OH 43085 Full Service B&M $168,700
    Cnb Bank 665 Philadelphia Street Indiana, PA 15701 Full Service B&M $22,657
    Cnb Bank 676 72nd Street Niagara Falls, NY 14304 Full Service B&M $86,942
    Cnb Bank 7322 Mentor Ave Mentor, OH 44060 Full Service B&M $0
    Cnb Bank 7402 Center Street Mentor, OH 44060 Full Service B&M $177,664
    Cnb Bank 87 Fraley Street Kane, PA 16735 Full Service B&M $31,759
    Cnb Bank 885 Park Avenue Meadville, PA 16335 Full Service B&M $226,627
    Cnb Bank One South Second Street Clearfield, PA 16830 Full Service B&M $411,292

    For 2020, Cnb Bank had 42 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $163,450
    Net interest income $134,699
    Total noninterest income $24,158
    Gross Fiduciary activities income $4,810
    Service charges on deposit accounts $5,095
    Trading account gains and fees $296
    Additional Noninterest Income $13,957
    Pre-tax net operating income $40,839
    Securities gains (or losses, -) $2,190
    Income before extraordinary items $34,899
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $34,899
    Minority interest net income $0
    Net income $34,899
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $33,125

    Cnb Bank's gross interest income from loans was $163,450,000.
    Cnb Bank's net interest income from loans was $134,699,000.
    Cnb Bank's fee based income from loans was $5,095,000.
    Cnb Bank's net income from loans was $34,899,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $28,751
    Provision for credit losses $14,115
    Total noninterest expense $103,903
    Salaries and employee benefits $46,905
    Premises and equipment expense $11,561
    Additional noninterest expense $45,437
    Applicable income taxes $8,130
    Net charge-offs $5,131
    Cash dividends $16,702

    Cnb Bank's interest expense for loans was $28,751,000.
    Cnb Bank's payroll and benefits expense were $46,905,000.
    Cnb Bank's property, plant and equipment expenses $11,561,000.

    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 1.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.4%
    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 $4,191,687
    Deposits held in domestic offices $4,191,687
    Deposits by Individuals, partnerships, and corporations $3,882,132
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $309,555
    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 $302,338
    Demand deposits $218,401
    Nontransaction accounts $3,889,349
    Money market deposit accounts (MMDAs) $66,811
    Other savings deposits (excluding MMDAs) $3,354,364
    Total time deposits $468,174
    Total time and savings deposits $3,973,286
    Noninterest-bearing deposits $637,057
    Interest-bearing deposits $3,554,630
    Retail deposits $4,072,486
    IRAs and Keogh plan accounts $89,720
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,709,040
    Cash & Balances due from depository institutions $526,868
    Interest-bearing balances $483,192
    Total securities $582,985
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,340,640
    Loan and leases loss allowance $32,160
    Trading account assets $3,874
    Bank premises and fixed assets $77,279
    Other real estate owned $862
    Goodwill and other intangibles $45,718
    All other assets $130,814

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,709,040
    Total Liabilities $4,248,219
    Total deposits $4,191,687
    Interest-bearing deposits $3,554,630
    Deposits held in domestic offices $4,191,687
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $56,532

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,340,640
    Loan and leases loss allowance $32,160
    Total loans and leases (domestic) $3,372,800
    All real estate loans $2,467,300
    Real estate loans in domestic offices $2,467,300
    Construction and development loans $233,119
    Residential 1-4 family construction $27,767
    Other construction, all land development and other land $205,352
    Loans secured by nonfarm nonresidential properties $1,050,555
    Nonfarm nonresidential secured by owner-occupied properties $407,900
    Commercial real estate & other non-farm, non-residential $642,655
    Multifamily residential real estate $212,814
    1-4 family residential loans $947,497
    Farmland loans $23,315
    Loans held in foreign offices $0
    Farm loans $2,664
    Commercial and industrial loans $663,472
    To non-U.S. addressees $0
    Loans to individuals $79,272
    Credit card loans $8,115
    Related Plans $25,502
    Consumer Auto Loans $25,344
    Other loans to individuals $20,311
    All other loans & leases $160,092
    Loans to foreign governments and official institutions $0
    Other loans $27,275
    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 $6,775
    Non 1-4 family restructured loans & leases $6,488
    Total loans and leases (foreign) $0

    CNB Bank had $3,340,640,000 of loans outstanding in 2020. $2,467,300,000 of loans were in real estate loans. $233,119,000 of loans were in development loans. $212,814,000 of loans were in multifamily mortgage loans. $947,497,000 of loans were in 1-4 family mortgage loans. $2,664,000 of loans were in farm loans. $8,115,000 of loans were in credit card loans. $25,344,000 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 1,808 $341,832 $189,066
    Nonfarm, nonresidential loans - <$100k 534 $19,558 $36,625
    Nonfarm, nonresidential loans - $100-250k 665 $82,585 $124,188
    Nonfarm, nonresidential loans - $250k-1MM 609 $239,689 $393,578
    Commercial & Industrial, US addressed loans - <$1MM 4,775 $337,158 $70,609
    Commercial & Industrial, US addressed loans - <$100k 3,441 $84,441 $24,540
    Commercial & Industrial, US addressed loans - $100-250k 766 $81,366 $106,222
    Commercial & Industrial, US addressed loans - $250k-1MM 568 $171,351 $301,674
    Farmland loans - <$1MM 59 $7,367 $124,864
    Farmland loans - <$100k 21 $1,122 $53,429
    Farmland loans - $100-250k 22 $2,503 $113,773
    Farmland loans - $250k-1MM 16 $3,742 $233,875
    Agriculture operations loans - <$1MM 64 $2,167 $33,859
    Agriculture operations loans - <$100k 56 $1,128 $20,143
    Agriculture operations loans - $100-250k 6 $672 $112,000
    Agriculture operations loans - $250k-1MM 2 $367 $183,500