CNB Bank (Clearfield, PA)
BankRegReports is independent of CNB Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
CNB Bank is an FDIC-insured commercial bank headquartered in Clearfield, PA, established in 1934 (FDIC certificate 13876), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $8.41B, up 33.6% from Q2 2025, the 10th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 13.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13876
- Headquarters
- Clearfield, PA
- Established
- 1934
- Total assets, Q2 2026
- $8.41B
- Assets vs Q2 2025
- +33.6%
- CET1 ratio, Q2 2026
- 13.09%
- Domestic offices
- 82 FDIC institution directory, current count
- Routing number
- 031306278
- Latest call report
- Q2 2026, FFIEC 041 · CNB Bank call report
- Holding company
- CNB FINANCIAL CORPORATION
- Asset rank in state
- 10th of 109 in Pennsylvania
CNB Bank is growing quickly. The Clearfield, Pennsylvania bank had $8.4 billion in assets at June 30, 2026, up 33.6% from a year earlier. It grew its loan book 37.8% over the year, 6.4 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets.
Earnings jumped: net income for the quarter was $29 million, 97% above the same quarter a year earlier. Over the same year, loans grew 37.8% and deposits grew 28.9%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.84% of loans from 0.60% a year earlier.
As of June 30, 2026, CNB Bank reported a CET1 capital ratio of 13.09%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 6.71%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, CNB Bank is the 10th largest of the 109 banks headquartered in Pennsylvania. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $8.41B, loans rose 1.3% and deposits fell 1.1%. 1-4 family residential loans made up 33.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.7%. The FDIC Summary of Deposits lists 81 offices for it, in 63 cities across 4 states; its Clearfield 4 offices book 19% of its branch deposits. On its Q2 2026 call report, CNB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 S 2nd St, Clearfield, PA 16830
- County
- Clearfield
- Metro Area
- Dubois, PA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 27, 1934
- Former names
- County National Bank (1966-2006)
- Domestic offices
- 82 FDIC institution directory, current count
- Employees (FTE)
- 927
- Domestic deposits
- $7.18B
- Allowance for credit losses
- $65.3M
- Net charge-offs (YTD)
- $1.7M
- Average total assets
- $8.49B
- Average total loans
- $6.45B
- Average interest-bearing deposits
- $6.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 9, 1934
- FDIC Cert
- 13876
- Fed RSSD
- 399517
- SEC CIK
- 736772 → filed by CNB FINANCIAL CORPORATION
- Website
- www.cnbbank.bank →
- Parent Holding Company
- CNB FINANCIAL CORPORATION (RSSD 1118340) · CCNE
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Michael D Peduzzi | CEO | President & CEO |
| Tito L Lima | CFO | SEVP/CFO |
| Michael J Noah | COO | EVP/Chief Operating Officer |
| Gregory M Dixon | CCO | EVP/Chief Credit Officer |
| Anna K Andersen | CRO | SVP & Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, CNB Bank's total assets ranged from $5.71B (Q3 2023) to $8.50B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.41B total assets against $6.30B; $7.49B total liabilities against $5.68B.
$6.44B net loans and leases against $4.68B; $7.18B total deposits against $5.57B.
$903.9M securities against $798.2M; $452.7M cash and balances due against $422.2M.
$115.3M total interest income against $85.1M; $38.4M total interest expense against $32.6M.
$76.9M net interest income against $52.5M.
$10.4M total noninterest income against $8.5M; $49.6M total noninterest expense against $39.1M.
$1.5M provision for credit losses against $3.9M.
$29.5M net income against $15.0M.
1.39% return on assets against 0.96%; 3.91% net interest margin against 3.61%.
13.09% CET1 capital ratio against 12.50%; 10.17% tier 1 leverage ratio against 9.85%.
Inside the full CNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
CNB Bank rankings
Its closest position to the top of a national ranking is 190 of 4,196, for total assets; its furthest is 1,368 of 2,134, for CET1 ratio.
Banks merged into CNB Bank
- ESSA Bank & Trust, effective July 24, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q3 2025) to 1.70% (Q4 2025) and its net interest margin ran from 3.35% (Q1 2025) to 3.94% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.09% | 1.39% | 0.84% | 6.71% | 3.91% |
| Q1 2026 | 13.55% | 1.33% | 0.71% | 5.51% | 3.82% |
| Q4 2025 | 13.34% | 1.70% | 0.61% | 4.75% | 3.94% |
| Q3 2025 | 12.54% | 0.48% | 0.55% | 4.55% | 3.52% |
| Q2 2025 | 12.50% | 0.96% | 0.60% | 4.86% | 3.61% |
| Q1 2025 | 12.62% | 0.85% | 1.17% | 9.19% | 3.35% |
| Q4 2024 | 12.51% | 1.02% | 1.23% | 10.00% | 3.47% |
| Q3 2024 | 12.41% | 0.95% | 0.87% | 7.09% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 81 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CNB Bank (main office) | Clearfield , PA | 16830 | $1.24B |
| Erie Main Office Branch | Erie , PA | 16509 | $411.9M |
| 10th Street Branch | Erie , PA | 16501 | $344.9M |
| Meadville Branch | Meadville , PA | 16335 | $253.9M |
| Essa Bank & Trust Branch | Stroudsburg , PA | 18360 | $243.7M |
| East Stroudsburg Branch | East Stroudsburg , PA | 18301 | $207.0M |
| Mentor Lake Branch | Mentor , OH | 44060 | $204.6M |
| Fcbank Headquarters - Worthington, Oh | Worthington , OH | 43085 | $202.3M |
| Electric Tower Branch | Buffalo , NY | 14203 | $195.1M |
| Orchard Park Br | Orchard Park , NY | 14127 | $156.2M |
| Bob-Akron Branch | Akron , NY | 14001 | $155.1M |
| Niagara Falls | Niagara Falls , NY | 14304 | $150.5M |
| Bucyrus North Branch | Bucyrus , OH | 44820 | $142.7M |
| Brodheadsville Branch | Brodheadsville , PA | 18322 | $136.9M |
| Smith Mountain Lake Branch Office | Hardy , VA | 24101 | $132.7M |
| Williamsville Branch | Williamsville , NY | 14221 | $111.7M |
| Roanoke Branch Office | Roanoke , VA | 24014 | $94.3M |
| Tannersville Plaza Branch | Tannersville , PA | 18372 | $93.3M |
| Erie Asbury Road Office Branch | Erie , PA | 16506 | $88.1M |
| Woodmere Branch Office | Woodmere , OH | 44122 | $85.8M |
| Rockside Road Branch Office | Seven Hills , OH | 44131 | $83.3M |
| Salem Branch Office | Salem , VA | 24153 | $81.9M |
| Northern Cambria Branch | Northern Cambria , PA | 15714 | $77.1M |
| St. Marys Branch | St. Marys , PA | 15857 | $76.5M |
| Bradford Main Branch | Bradford , PA | 16701 | $75.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 24, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 24, 2025 | Structure Change | Acquired ESSA Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2020 | Structure Change | Acquired Bank of Akron Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2016 | Structure Change | Acquired Lake National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 2013 | Structure Change | Acquired The Farmers Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 1999 | Structure Change | Acquired The First National Bank of Spangler Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in PA, rank 22 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,588 applications, 2,029 loans originated, $612.7M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.6M approved, $647K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows CNB Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about CNB Bank
What are CNB Bank's total assets?
As of the Q2 2026 filing, CNB Bank reported total assets of $8.41 billion in its FFIEC call report.
Where is CNB Bank headquartered?
It is headquartered in Clearfield, PA, United States.
When was CNB Bank founded?
It was established in 1934, per the FDIC institution directory.
Is CNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CNB Bank?
CNB Bank's primary federal regulator is the Federal Reserve.
What is CNB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does CNB Bank operate?
It operates 82 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CNB Bank's Texas Ratio?
Its Texas Ratio is 6.71% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was CNB Bank previously called?
The charter now named CNB Bank has also operated as County National Bank (1966-2006), per FDIC structure-change records.
Go deeper on CNB Bank.
Get an email when CNB Bank files its next call report, and benchmark it against any peer you choose.
Unlock CNB Bank, freeFree account