CNB Financial Corporation (CCNE) investor relations material

Company overview and business model

• Operates as a financial holding company with a network of banking divisions across Pennsylvania, Ohio, New York, and Virginia, offering a full range of banking and financial services to individuals, businesses, and institutions.

• Subsidiaries include CNB Bank, CNB Securities Corporation, CNB Insurance Agency, CNB Risk Management, Inc., and Holiday Financial Services Corporation.

• Services include deposit accounts, various loan products, private banking, wealth management, insurance, and small balance lending.

• As of March 31, 2026, operated 75 full-service branches, one loan production office, one mobile office, and two limited service offices.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for general corporate purposes, including business expansion, regulatory capital for subsidiary growth, acquisitions, debt refinancing or repayment, and holding company investments.

• Pending use, proceeds may be temporarily invested in short-term obligations.

Risk factors and disclosures

• Risks include adverse changes in capital and financial markets, interest rate fluctuations, credit risks, cybersecurity threats, increased competition, regulatory changes, and economic conditions.

• Additional risks are detailed in the Annual Report on Form 10-K for the year ended December 31, 2025, and subsequent SEC filings.