CNB Bank (Clearfield, PA): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
CNB Bank is a community bank chartered in 1934, based in Clearfield, PA. As of Q2 2026, the bank held approximately $8.4B in total assets and $7.2B in deposits. Profitability is strong, 1.39% ROA, paired with 12.69% ROE and a 3.91% net interest margin. Regulatory capital is solid, 13.09% CET1 and 14.05% total risk-based capital ratio. Credit metrics are in line with industry norms, 1.01% NPL ratio. CNB operates a 82-branch network.
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 1.01%, a Texas ratio of 7.99%, per financial data filed with the FFIEC.
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)
- Offices
- 82 domestic
- Employees (FTE)
- 927
- Domestic deposits
- $7.18B
- Allowance for credit losses
- $65.3M
- Net charge-offs (YTD)
- $1.7M
- 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 |
|---|---|---|
| Peduzzi Michael D | CEO | President & CEO |
| Lima Tito L | CFO | SEVP/CFO |
| Noah Michael J | COO | EVP/Chief Operating Officer |
| Dixon Gregory M | CCO | EVP/Chief Credit Officer |
| Andersen Anna K | CRO | SVP & Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full CNB Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock CNB 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into CNB Bank
- ESSA Bank & Trust, effective July 24, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.09% | 1.39% | 1.01% | 7.99% | 3.91% |
| Q1 2026 | 13.55% | 1.33% | 0.74% | 5.70% | 3.82% |
| Q4 2025 | 13.34% | 1.70% | 0.63% | 4.94% | 3.94% |
| Q3 2025 | 12.54% | 0.48% | 0.81% | 6.72% | 3.52% |
| Q2 2025 | 12.50% | 0.96% | 1.01% | 8.10% | 3.61% |
| Q1 2025 | 12.62% | 0.85% | 1.60% | 12.52% | 3.35% |
| Q4 2024 | 12.51% | 1.02% | 1.23% | 10.20% | 3.47% |
| Q3 2024 | 12.41% | 0.95% | 0.88% | 7.30% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 81 branches →
| 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
What the public regulatory sources show for CNB Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in PA, rank 22 of 148 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is CNB Bank headquartered?
CNB Bank is headquartered in Clearfield, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was CNB Bank founded?
CNB Bank was established in 1934, per the FDIC institution directory.
Is CNB Bank FDIC-insured?
Yes. CNB Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is CNB Bank's CET1 capital ratio?
CNB Bank 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?
CNB Bank 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?
CNB Bank's Texas Ratio is 7.99% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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