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CNB Financial Corporation (CCNE) investor relations material
CNB Financial Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Completed the acquisition of ESSA Bancorp, adding $2.1 billion in assets, $1.7 billion in loans, and $1.5 billion in deposits, expanding the branch network and market presence in Northeastern Pennsylvania.
Net income available to common shareholders was $6.0 million ($0.22 per diluted share) for Q3 2025, down from $12.9 million ($0.61 per diluted share) in Q2 2025 and Q3 2024, due to merger-related expenses.
Adjusted earnings, excluding merger-related expenses, were $22.5 million ($0.82 per diluted share) for Q3 2025, up 70% from Q2 2025 and 75% from Q3 2024, driven by higher net interest and non-interest income.
Loans (excluding syndicated and acquired) grew organically by $90.8 million (1.95%) quarter-over-quarter and $222.9 million (4.93%) year-over-year.
Deposits (excluding acquired and held for sale) grew organically by $70.2 million (1.28%) quarter-over-quarter and $320.3 million (6.14%) year-over-year.
Financial highlights
Net interest income rose 41.3% year-over-year to $67.1 million for Q3 2025, and 21.2% to $167.8 million for the nine months ended September 30, 2025.
Net interest margin (fully tax-equivalent) was 3.69% for Q3 2025, up from 3.59% in Q2 2025 and 3.42% in Q3 2024.
Provision for credit losses increased to $18.5 million for Q3 2025, mainly due to reserves for acquired loans and portfolio growth.
Total assets reached $8.25 billion, up from $6.19 billion at year-end 2024.
Non-interest income for Q3 2025 was $10.6 million, up from $9.0 million in Q2 2025, driven by higher wealth management fees and service charges.
Outlook and guidance
Management expects continued cost savings and earnings accretion from the ESSA acquisition, with operational integration and system conversion to be completed in Q4 2025.
Liquidity and capital positions are strong, with available liquidity sources approximately 4.3 times adjusted uninsured deposit balances.
No material adverse events or regulatory recommendations are anticipated to impact liquidity or capital resources.
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Next CNB Financial Corporation earnings date
Q4 202516 Jan, 2026
Next CNB Financial Corporation earnings date
Q4 202516 Jan, 2026
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Frequently asked questions
CNB Financial Corporation is a bank holding company. It operates primarily through its subsidiary, CNB Bank, providing a comprehensive range of banking services to individual, business, governmental, and institutional customers. The company's offerings include various deposit accounts like checking, savings, and time deposits. It also provides loans for real estate, commercial, industrial, residential, and consumer purposes. Additionally, CNB Financial offers private banking, wealth management, and asset management services, including the administration of trusts, estates, and retirement plans. The company is headquartered in Clearfield, Pennsylvania, and its shares are listed on the NASDAQ.
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