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

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, Erie, Columbus, and Dubois among others. We have data for 81 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

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% Deposit:

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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

2,606

Origination Dollar Volume (All Markets)

$636,060,000

Employee count

659

Awards

CNB Bank 30 Year Conventional Loans bronze

CNB Bank 30 Year Conventional Loans silver

CNB Bank 30 Year Conventional Loans gold

Show all (8) 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)	130	$147,570,000	$1,135,154	$4,375	3.79%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	325	$88,155,000	$271,246	$2,925	3.48%
ERIE, PA (FHA\|USDA\|VA)	338	$85,720,000	$253,609	$1,827	3.38%
COLUMBUS, OH (FHA\|USDA\|VA)	195	$62,365,000	$319,821	$2,313	3.59%
DuBois, PA (FHA\|USDA\|VA)	452	$55,740,000	$123,319	$1,673	3.48%
Meadville, PA (FHA\|USDA\|VA)	180	$22,170,000	$123,167	$1,857	3.40%
St. Marys, PA (FHA\|USDA\|VA)	146	$15,300,000	$104,795	$1,730	3.51%
ROANOKE, VA (FHA\|USDA\|VA)	22	$13,980,000	$635,455	$3,880	3.56%
Bradford, PA (FHA\|USDA\|VA)	121	$13,145,000	$108,636	$1,442	3.94%
Indiana, PA (FHA\|USDA\|VA)	80	$11,480,000	$143,500	$2,033	3.43%
STATE COLLEGE, PA (FHA\|USDA\|VA)	79	$10,825,000	$137,025	$2,121	3.52%
Warren, PA (FHA\|USDA\|VA)	91	$10,145,000	$111,484	$1,937	3.77%
ALTOONA, PA (FHA\|USDA\|VA)	53	$9,255,000	$174,623	$2,339	3.75%
Outside of Metro Areas	60	$8,180,000	$136,333	$1,726	3.58%
PITTSBURGH, PA (FHA\|USDA\|VA)	27	$7,525,000	$278,704	$3,569	3.13%
Ashtabula, OH (FHA\|USDA\|VA)	26	$7,220,000	$277,692	$1,721	3.48%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	9	$5,945,000	$660,556	$5,826	2.88%
JOHNSTOWN, PA (FHA\|USDA\|VA)	54	$5,000,000	$92,593	$1,425	3.55%
Jamestown-Dunkirk-Fredonia, NY (FHA\|USDA\|VA)	18	$4,350,000	$241,667	$3,352	3.19%
AKRON, OH (FHA\|USDA\|VA)	6	$3,580,000	$596,667	$3,344	3.84%
Bucyrus-Galion, OH (FHA\|USDA\|VA)	32	$3,430,000	$107,188	$982	3.49%
TOLEDO, OH (FHA\|USDA\|VA)	3	$2,825,000	$941,667	$4,774	3.62%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	2	$2,650,000	$1,325,000	$0	3.88%
Mount Vernon, OH (FHA\|USDA\|VA)	17	$2,485,000	$146,176	$1,444	3.28%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$2,105,000	$2,105,000	$4,454	3.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$2,005,000	$2,005,000	$4,288	2.63%
Olean, NY (FHA\|USDA\|VA)	7	$1,885,000	$269,286	$4,426	3.32%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$1,855,000	$1,855,000	$4,796	2.75%
Marion, OH (FHA\|USDA\|VA)	11	$1,825,000	$165,909	$1,658	3.51%
LYNCHBURG, VA (FHA\|USDA\|VA)	8	$1,580,000	$197,500	$2,105	3.56%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	1	$1,405,000	$1,405,000	$4,107	3.00%
PANAMA CITY, FL (FHA\|USDA\|VA)	3	$1,395,000	$465,000	$3,730	3.56%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	4	$1,360,000	$340,000	$6,388	3.47%
Oil City, PA (FHA\|USDA\|VA)	6	$1,350,000	$225,000	$2,486	3.73%
MANSFIELD, OH (FHA\|USDA\|VA)	10	$1,190,000	$119,000	$1,018	3.89%
Batavia, NY (FHA\|USDA\|VA)	12	$1,170,000	$97,500	$755	3.63%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$1,115,000	$1,115,000	$6,252	2.75%
ROCHESTER, NY (FHA\|USDA\|VA)	5	$1,025,000	$205,000	$4,108	2.77%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	3	$965,000	$321,667	$2,788	3.19%
Huntingdon, PA (FHA\|USDA\|VA)	5	$945,000	$189,000	$4,642	4.10%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	2	$900,000	$450,000	$2,352	3.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	3	$835,000	$278,333	$5,377	4.13%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	2	$830,000	$415,000	$5,398	2.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	5	$715,000	$143,000	$2,805	3.20%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	2	$700,000	$350,000	$1,994	3.06%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$610,000	$305,000	$2,088	2.66%
Martinsville, VA (FHA\|USDA\|VA)	1	$585,000	$585,000	$0	4.02%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$565,000	$565,000	$5,301	3.13%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$545,000	$545,000	$3,221	2.13%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	2	$530,000	$265,000	$2,642	3.56%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$505,000	$505,000	$3,667	2.75%
Sandusky, OH (FHA\|USDA\|VA)	1	$465,000	$465,000	$4,913	3.13%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$425,000	$425,000	$812	2.64%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	2	$400,000	$200,000	$4,142	3.44%
Norwalk, OH (FHA\|USDA\|VA)	3	$385,000	$128,333	$2,539	4.08%
Ashland, OH (FHA\|USDA\|VA)	3	$345,000	$115,000	$1,585	4.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$345,000	$345,000	$3,953	3.13%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$325,000	$325,000	$4,554	2.00%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	1	$315,000	$315,000	$3,319	2.88%
Somerset, PA (FHA\|USDA\|VA)	2	$310,000	$155,000	$1,877	2.85%
Lewistown, PA (FHA\|USDA\|VA)	2	$290,000	$145,000	$1,719	2.92%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,538	3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$4,077	2.75%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	1	$265,000	$265,000	$6,176	3.00%
JACKSONVILLE, NC (FHA\|USDA\|VA)	1	$265,000	$265,000	$6,155	2.25%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,611	2.88%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	4.41%
Urbana, OH (FHA\|USDA\|VA)	1	$195,000	$195,000	$4,100	3.00%
Lock Haven, PA (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,657	3.88%
Washington Court House, OH (FHA\|USDA\|VA)	3	$165,000	$55,000	$0	4.50%
ASHEVILLE, NC (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,428	2.75%
SALISBURY, MD-DE (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,829	3.13%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	4.92%
Bellefontaine, OH (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	4.75%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	4.00%
Wilson, NC (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	4.25%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,473	2.88%
Tiffin, OH (FHA\|USDA\|VA)	1	$65,000	$65,000	$0	4.00%
Pottsville, PA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	5.00%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	4.00%
LANCASTER, PA (FHA\|USDA\|VA)	1	$15,000	$15,000	$326	2.64%

Cnb Bank's top markets include Cleveland, Buffalo, Erie, Columbus, and Dubois among others.

Their top states include:

Pennsylvania (FHA|USDA|VA)

Ohio (FHA|USDA|VA)

New York (FHA|USDA|VA)

Virginia (FHA|USDA|VA)

Florida (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,252	$587,190,000	$260,742	$2,101	3.42%
HELOC	354	$48,870,000	$138,051	n/a	4.17%

For 2021, Cnb Bank's most frequently originated type of loan was Conventional, with 2,252 originations. Their 2nd most popular type was HELOC, with 354 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	1,004	$192,840,000	$192,072	$1,205	3.39%
Home Purchase	863	$351,195,000	$406,947	$3,497	3.66%
Home Improvement	355	$33,245,000	$93,648	$391	3.75%
Other	262	$32,650,000	$124,618	$950	3.65%
Cash Out Refi	122	$26,130,000	$214,180	$5,450	2.66%

For 2021, Cnb Bank's most frequently cited loan purpose was Refi, with 1,004 originations. The 2nd most popular reason was Home Purchase, with 863 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
15 Year	1,109	$155,695,000	$140,392	$1,409	3.62%
30 Year	432	$111,200,000	$257,407	$4,230	3.02%
10 Year	381	$78,825,000	$206,890	$371	3.62%
20 Year	304	$45,320,000	$149,079	$2,018	3.79%
Other	190	$124,030,000	$652,789	$2,217	3.77%
5 Year	112	$34,690,000	$309,732	$270	3.10%
30+ year	54	$29,380,000	$544,074	$6,740	3.03%
1 Year	17	$5,045,000	$296,765	$0	4.26%
3 Year	7	$51,875,000	$7,410,714	$337	3.57%

For 2021, Cnb Bank's most frequently cited loan duration was 15 Year, with 1,109 originations. The 2nd most popular length was 30 Year, with 432 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,590	$256,890,000	$161,566
$1k-2k	166	$28,450,000	$171,386
$2k-3k	74	$15,660,000	$211,622
$3k-4k	39	$9,155,000	$234,744
$4k-5k	30	$7,760,000	$258,667
$5k+	23	$8,575,000	$372,826

Cnb Bank's average total fees were $4,230, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,590 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	1,200	$296,220,000	$246,850
2.5-3%	709	$143,685,000	$202,659
4-5%	427	$149,415,000	$349,918
<2.5%	206	$40,380,000	$196,019
5-6%	41	$5,175,000	$126,220
6-7%	9	$365,000	$40,556
Over 8%	8	$350,000	$43,750
7-8%	5	$425,000	$85,000

During 2021, Cnb Bank's average interest rate for loans was 3.02%, while their most frequently originated rate bucket for loans was 3-4%, with 1,200 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	1,146	$65,880,000	$57,487	$897	3.75%
$100k-200k	773	$110,665,000	$143,163	$2,139	3.37%
$200k-400k	477	$128,365,000	$269,109	$3,576	3.26%
$400k-600k	108	$51,610,000	$477,870	$5,081	3.27%
$600k-1MM	53	$41,555,000	$784,057	$5,899	3.49%
$1MM+	49	$237,985,000	$4,856,837	$6,959	3.78%

2021 saw Cnb Bank place emphasis on $100,000 or less loans with 1,146 originations, totaling $65,880,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	458	$71,650,000	$156,441	$2,224	3.34%
$50k-75k	458	$45,330,000	$98,974	$1,694	3.57%
$50k or less	390	$28,720,000	$73,641	$1,480	3.71%
$75k-100k	375	$45,225,000	$120,600	$1,864	3.50%
$150k-250k	366	$76,870,000	$210,027	$2,503	3.26%
$250k+	238	$102,640,000	$431,261	$3,751	3.15%

Cnb Bank lent most frequently to those with incomes in the $100k-150k range, with 458 originations. The second most popular income band? $50k-75k, with 458 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	718	$115,570,000	$160,961	$2,091	3.37%
30-36%	432	$67,280,000	$155,741	$2,169	3.37%
<20%	349	$57,865,000	$165,802	$2,076	3.30%
42%	107	$16,815,000	$157,150	$1,783	3.56%
38%	97	$20,675,000	$213,144	$2,204	3.45%
41%	95	$16,175,000	$170,263	$1,800	3.54%
36%	81	$12,375,000	$152,778	$1,974	3.56%
37%	78	$12,540,000	$160,769	$2,021	3.52%
39%	74	$9,750,000	$131,757	$1,800	3.50%
40%	58	$8,860,000	$152,759	$2,100	3.37%
43%	40	$6,360,000	$159,000	$3,005	3.40%
44%	21	$6,275,000	$298,810	$3,708	3.07%
45%	11	$2,655,000	$241,364	$3,313	3.23%
46%	10	$2,200,000	$220,000	$3,585	3.08%
47%	7	$1,435,000	$205,000	$2,528	2.70%
>60%	4	$690,000	$172,500	$1,969	4.19%
49%	4	$660,000	$165,000	$2,793	2.56%
48%	3	$865,000	$288,333	$4,769	3.08%
50-60%	2	$440,000	$220,000	$5,204	3.50%

Cnb Bank lent most frequently to those with DTI ratios of 20-30%, with 718 originations. The next most common DTI ratio? 30-36%, with 432 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,265	$352,595,000	$155,671	$2,062	3.44%
Not applicable	224	$251,660,000	$1,123,482	$0	4.47%
Not provided	67	$13,405,000	$200,075	$2,614	3.26%
Asian	21	$9,985,000	$475,476	$3,678	3.06%
Black	22	$6,970,000	$316,818	$3,147	3.53%
Asian Indian	3	$1,095,000	$365,000	$1,665	3.02%
Filipino	2	$270,000	$135,000	$4,453	3.44%
Other Asian	1	$55,000	$55,000	$0	4.00%
American Indian	1	$25,000	$25,000	$0	3.60%

Approval Rates

Total approvals of all applications
89.28%

Cnb Bank has an average approval rate.

Pick Rate

Approvals leading to origination
90.21%

Cnb Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
100.0	8	$350,000	$43,750
NA	2,598	$635,710,000	$244,692

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	2,606	$636,060,000	$244,075

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	366	$35,900,000	$98,087	$638	3.62%
40-60%	387	$76,645,000	$198,049	$1,801	3.40%
60-80%	868	$314,630,000	$362,477	$2,553	3.56%
80-100%	698	$153,600,000	$220,057	$2,853	3.45%
Over 100%	4	$40,630,000	$10,157,500	$6,994	3.87%
Under 20%	282	$14,200,000	$50,355	$325	3.58%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Cnb Bank	133 Washington Street St. Marys, PA 15857	Full Service B&M	$91,528
Cnb Bank	1 S 2nd St Clearfield, PA 16830	Full Service B&M	$459,140
Cnb Bank	101 Industrial Park Road Clearfield, PA 16830	Full Service B&M	$34,255
Cnb Bank	101 West 10th Street Erie, PA 16501	Full Service B&M	$193,551
Cnb Bank	103 E. Main St Cardington, OH 43315	Full Service B&M	$52,826
Cnb Bank	105 Washington Square Bucyrus, OH 44820	Full Service B&M	$159,134
Cnb Bank	107 Lamppost Lane Duncansville, PA 16635	Full Service B&M	$55,717
Cnb Bank	1104 Million Dollar Highway Kersey, PA 15846	Full Service B&M	$61,146
Cnb Bank	111 Rolling Stone Road, Mountain View Shopping Center Kylertown, PA 16847	Full Service B&M	$42,077
Cnb Bank	117 East Presqueisle Street Philipsburg, PA 16866	Full Service B&M	$85,195
Cnb Bank	12 Chambers Street Bradford, PA 16701	Full Service B&M	$94,895
Cnb Bank	1231 Old Town Rd Clearfield, PA 16830	Full Service B&M	$49,714
Cnb Bank	1574 Beeline Highway Du Bois, PA 15801	Full Service B&M	$73,959
Cnb Bank	16039 Conneaut Lake Road, Suite 108 Meadville, PA 16335	Full Service B&M	$26,024
Cnb Bank	1669 West Fifth Avenue Columbus, OH 43212	Full Service B&M	$70,045
Cnb Bank	1808 Bigler Avenue Northern Cambria, PA 15714	Full Service B&M	$63,612
Cnb Bank	1921 B Free Rd Shiloh, OH 44878	Full Service B&M	$27,569
Cnb Bank	200 East Mahoning Street Punxsutawney, PA 15767	Full Service B&M	$65,519
Cnb Bank	2035 Edinboro Road Erie, PA 16509	Full Service B&M	$238,972
Cnb Bank	2302 West 12th Street Erie, PA 16505	Full Service B&M	$48,606
Cnb Bank	240 West Sandusky Street Fredericktown, OH 43019	Full Service B&M	$48,872
Cnb Bank	25 Irwin Drive Philipsburg, PA 16866	Full Service B&M	$51,579
Cnb Bank	2615 Asbury Road Erie, PA 16506	Full Service B&M	$136,167
Cnb Bank	301 Main Street Ridgway, PA 15853	Full Service B&M	$89,787
Cnb Bank	301 Pennsylvania Avenue, Suite 101 Warren, PA 16365	Full Service B&M	$79,079
Cnb Bank	3049 Orchard Park Road Orchard Park, NY 14127	Full Service B&M	$264,689
Cnb Bank	3606 State Road Ashtabula, OH 44004	Full Service B&M	$64,470
Cnb Bank	3619 Walden Avenue Lancaster, NY 14086	Full Service B&M	$35,572
Cnb Bank	46 Main Street Akron, NY 14001	Full Service B&M	$193,851
Cnb Bank	485 Spring Street Houtzdale, PA 16651	Full Service B&M	$63,572
Cnb Bank	5190 Sheridan Drive Williamsville, NY 14221	Full Service B&M	$287,701
Cnb Bank	535 Washington Street, Suite 101 Buffalo, NY 14203	Full Service B&M	$156,319
Cnb Bank	5723 Buffalo Road Harborcreek, PA 16421	Full Service B&M	$54,330
Cnb Bank	611 Lingle Street Osceola Mills, PA 16666	Full Service B&M	$30,831
Cnb Bank	638 Lake Street Wilson, NY 14172	Full Service B&M	$9,187
Cnb Bank	6600 North High Street Worthington, OH 43085	Full Service B&M	$197,952
Cnb Bank	665 Philadelphia Street Indiana, PA 15701	Full Service B&M	$19,309
Cnb Bank	676 72nd Street Niagara Falls, NY 14304	Full Service B&M	$100,416
Cnb Bank	7402 Center Street Mentor, OH 44060	Full Service B&M	$231,755
Cnb Bank	77 Buell Street Akron, NY 14001	Full Service B&M	$0
Cnb Bank	827 Hopkins Road Amherst, NY 14221	Full Service B&M	$5,212
Cnb Bank	87 Fraley Street Kane, PA 16735	Full Service B&M	$35,746
Cnb Bank	885 Park Avenue Meadville, PA 16335	Full Service B&M	$267,806
Cnb Bank	9470 Clarence Center Road Clarence, NY 14032	Full Service B&M	$86,380
Cnb Bank	9865 Main Road Clarence, NY 14031	Full Service B&M	$96,068

For 2021, Cnb Bank had 45 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$175,794
Net interest income	$160,586
Total noninterest income	$30,348
Gross Fiduciary activities income	$5,534
Service charges on deposit accounts	$6,195
Trading account gains and fees	$0
Additional Noninterest Income	$18,619
Pre-tax net operating income	$71,980
Securities gains (or losses, -)	$1,336
Income before extraordinary items	$59,343
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$59,343
Minority interest net income	$0
Net income	$59,343
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$58,260

Cnb Bank's gross interest income from loans was $175,794,000.
Cnb Bank's net interest income from loans was $160,586,000.
Cnb Bank's fee based income from loans was $6,195,000.
Cnb Bank's net income from loans was $59,343,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$15,208
Provision for credit losses	$5,111
Total noninterest expense	$113,843
Salaries and employee benefits	$59,384
Premises and equipment expense	$11,909
Additional noninterest expense	$42,550
Applicable income taxes	$13,973
Net charge-offs	$1,762
Cash dividends	$22,165

Cnb Bank's interest expense for loans was $15,208,000.
Cnb Bank's payroll and benefits expense were $59,384,000.
Cnb Bank's property, plant and equipment expenses $11,909,000.

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	0.2%
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	$4,762,247
Deposits held in domestic offices	$4,762,247
Deposits by Individuals, partnerships, and corporations	$4,423,200
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$339,047
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	$332,503
Demand deposits	$248,363
Nontransaction accounts	$4,429,744
Money market deposit accounts (MMDAs)	$140,150
Other savings deposits (excluding MMDAs)	$3,906,761
Total time deposits	$382,833
Total time and savings deposits	$4,513,884
Noninterest-bearing deposits	$838,714
Interest-bearing deposits	$3,923,533
Retail deposits	$4,647,185
IRAs and Keogh plan accounts	$87,745
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$5,307,549
Cash & Balances due from depository institutions	$726,287
Interest-bearing balances	$685,697
Total securities	$702,752
Federal funds sold & reverse repurchase	$0
Net loans and leases	$3,591,485
Loan and leases loss allowance	$35,509
Trading account assets	$0
Bank premises and fixed assets	$80,593
Other real estate owned	$707
Goodwill and other intangibles	$45,748
All other assets	$159,977

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$5,307,549
Total Liabilities	$4,825,268
Total deposits	$4,762,247
Interest-bearing deposits	$3,923,533
Deposits held in domestic offices	$4,762,247
% insured (estimated)	$64
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$63,021

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$3,591,485
Loan and leases loss allowance	$35,509
Total loans and leases (domestic)	$3,626,994
All real estate loans	$2,663,120
Real estate loans in domestic offices	$2,663,120
Construction and development loans	$336,691
Residential 1-4 family construction	$37,822
Other construction, all land development and other land	$298,869
Loans secured by nonfarm nonresidential properties	$1,097,734
Nonfarm nonresidential secured by owner-occupied properties	$434,672
Commercial real estate & other non-farm, non-residential	$663,062
Multifamily residential real estate	$216,143
1-4 family residential loans	$988,784
Farmland loans	$23,768
Loans held in foreign offices	$0
Farm loans	$1,379
Commercial and industrial loans	$708,989
To non-U.S. addressees	$0
Loans to individuals	$83,776
Credit card loans	$9,935
Related Plans	$26,536
Consumer Auto Loans	$20,862
Other loans to individuals	$26,443
All other loans & leases	$169,730
Loans to foreign governments and official institutions	$0
Other loans	$28,843
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	$9,006
Non 1-4 family restructured loans & leases	$8,743
Total loans and leases (foreign)	$0

CNB Bank had $3,591,485,000 of loans outstanding in 2021. $2,663,120,000 of loans were in real estate loans. $336,691,000 of loans were in development loans. $216,143,000 of loans were in multifamily mortgage loans. $988,784,000 of loans were in 1-4 family mortgage loans. $1,379,000 of loans were in farm loans. $9,935,000 of loans were in credit card loans. $20,862,000 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	1,753	$346,525	$197,675
Nonfarm, nonresidential loans - <$100k	480	$17,095	$35,615
Nonfarm, nonresidential loans - $100-250k	636	$78,427	$123,313
Nonfarm, nonresidential loans - $250k-1MM	637	$251,003	$394,039
Commercial & Industrial, US addressed loans - <$1MM	3,725	$241,121	$64,730
Commercial & Industrial, US addressed loans - <$100k	2,640	$54,218	$20,537
Commercial & Industrial, US addressed loans - $100-250k	616	$56,367	$91,505
Commercial & Industrial, US addressed loans - $250k-1MM	469	$130,536	$278,328
Farmland loans - <$1MM	61	$7,160	$117,377
Farmland loans - <$100k	25	$1,155	$46,200
Farmland loans - $100-250k	18	$1,606	$89,222
Farmland loans - $250k-1MM	18	$4,399	$244,389
Agriculture operations loans - <$1MM	57	$1,378	$24,175
Agriculture operations loans - <$100k	53	$1,112	$20,981
Agriculture operations loans - $100-250k	4	$266	$66,500