# CNB BANK
CLEARFIELD, PA · FDIC certificate 13876 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.41B | |
| Deposits | $7.18B | |
| Loans and leases | $6.51B | |
| Total equity | $926.3M | |
| Loans / deposits | 89.69% (p59 of band) | 87.10% |
| Liquid assets / assets | 16.12% (p28 of band) | |
| Uninsured deposits / deposits | 28.83% (p44 of band) | 30.76% |
| Brokered deposits | 3.60% | |
| Wholesale funding | 5.77% (p49 of band) | |
| FHLB advances / assets | 1.95% | |
| Tier 1 leverage | 10.17% (p42 of band) | 10.50% |
| Unrealized securities loss / equity | -6.95% (p54 of band) | -7.75% |
| AOCI / equity | -0.64% (p29 of band) | |
| ROA (annualized) | 1.36% (p60 of band) | 1.26% |
| Net interest margin | 3.89% (p62 of band) | 3.70% |
| Efficiency ratio | 56.29% (p41 of band) | |
| Noncurrent loans | 0.84% (p67 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p59 of band) | |
| Reserve coverage of noncurrent | 119.74% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 51.06% (p54 of band) | |
| Auto loans | $15.0M (0.23% of loans; DQ 2.16%, NCO 0.00%) | |
| Loans to nondepository financials | $2,000 (0% of equity) (p70 of band) | |
| Deposits YoY | 28.9% | |
| Employees | 927 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 3 | leverage <7% |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | uninsured deposits >50%, capital falling |  |
| 2013-09 | 1 |  | reserve under noncurrent, leverage <7%, capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | uninsured deposits leaving | uninsured deposits >50% |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | loans exceed deposits, capital falling |  |
| 2017-12 | 2 |  | loans exceed deposits |
| 2018-03 | 3 | loans exceed deposits |  |
| 2018-06 | 2 |  | loans exceed deposits |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | reserve under noncurrent |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | construction >100% equity |  |
| 2023-03 | 0 |  | construction >100% equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | uninsured deposits leaving |  |
| 2024-03 | 1 | construction >100% equity | uninsured deposits leaving |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 0 |  | reserve under noncurrent, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-15 [CNB Bank Receives FHLBank Pittsburgh’s 2026 Annual Member Award - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPT0tYQlowR2s4ZjhVbzVGZjJkM0JwYkVlTGd1dnVMTXdCMUVHSnIzVEhVNHFSM0VBSHpKRTlBajJtZC1GX05ySzFZcHRCQmo4dm9qbmNhbDVJaHRFZmdDemViTm9RVHo3QVFyRENVQzNjaTNNR3FmMldxbXRFZ3BvcEdITTFtajRzVkVFUkJJNzF2emZCQXJoZVRyODJrb0hUVkJlam1sLXE1Q3FyWEJib2JfaWdBcksyY0FB?oc=5) · Business Wire
- 2026-07-23 [CNB Bank promotes Penoyer to Senior Vice President, Treasury Operations and Service Leader - The Progress](https://news.google.com/rss/articles/CBMijwJBVV95cUxPRnVKaXZGZWZKYWlQakhlVEpaLUYzRzJaenVQUF91enRySGFkUWFIUDFHOXlqcVp6Ulh6cUpCejVUYlJBUW1RWW01b3pucEVIZU05YWlfbDZPZElVUU9ZMTJoQmpQQzg1RlZ5aTdjVmV0bnZrUHFnbXNjZE5FTTNGeVF3amo1OHlMempWYnlSb0JLZWRqNUpzRkdYVUVJZ3BIVHhNbE1hbEZuVDAtTlVfVmw5ZkczOENNbm1lNTRobVhvemhrWF9aWi1LX0xvUGRJUmxlWURCRGJ2S3N6U3Z0RzVubjdzQVZkNXd3UGNjRWVRWGNZNlJVVnROUjVCbGhFQ0JzWWJzQ1B2UTgtUlZJ?oc=5) · The Progress
- 2026-03-16 [CNB FINANCIAL CORP/PA ($CCNE) President and CEO of CNB;CEO of CNB Bank 2025 Pay Revealed - Quiver Quantitative](https://news.google.com/rss/articles/CBMiywFBVV95cUxNelNqVk42cW5QNVVSbzlnR2V2V0MzRUg5NC1Dblp5NjhWcjlTaGgyM0xMM1BCX3VpVVNkZ1MtM19VTHZ0aWV1enNYZWJWMnhnUk9MTnV3ZVM0OXVNbjFpWHdpNFk5Z3VGNG45NHVSbVUtSVMyUFhnRkYwdGl3WlNMVER2NGpjV3YyM2ZfaF9FU0cyYmp1VlRsNDViYXlHV3o3dzdiblRzOGhScDhEYng5VWpVb3dfV3p4V0dYYlhKSjlKRjQwVzh3U1pUOA?oc=5) · Quiver Quantitative
- 2026-04-20 [CNB FINANCIAL CORP/PA (NASDAQ:CCNE) Beats Q1 2026 Earnings and Revenue Estimates - ChartMill](https://news.google.com/rss/articles/CBMixwFBVV95cUxOUWY2VE9Ia3ZRNlZMWlFzWmlnOGhDOUhZcllnR0h1ZmFORlQ4dEl1UHNab0Z4MHV3S0c3NHowVzZxMms3YzJZYzZaQ3NGVVF4VkZQc0hkNHZoZENnWkN0aDBmai1PV04wTlExSEx1VU5kYVpvWTRWVXQxSkdYaGQ1dWljZkVNdElIRF9oVWFmdmM4VjZNd25rNEctd2hheWFCRmhHLTh3N2MwTlBVa0lPaVJIbG05emhld05iSFRDbVFVNzdiUXVz?oc=5) · ChartMill
- 2026-04-14 [CNB Financial preferred holders get June 1 dividend payout - stocktitan.net](https://news.google.com/rss/articles/CBMivwFBVV95cUxNX29PM3ZXLWhtSG4ySUtIbHdPQWVoZExyQk5EeGo0bHM2dUtWVVhiZTRHc1RUaTlvemVhT1d3Q1BTTThiS1VSemZidkcwT1VyUnhZT09ScjVmNkZMNUdUeWt0ZnhhNG56NndFMTBvVzgxcUlucTVoYjFWTDJsckU3eHVnVDdWR3h5dWxlU3ExdENzYlpad3A5LXI3bjBNY3ZINlNTV2NLYkF6cXhVR1labDBBSHRVcnZNVkJQWFgyaw?oc=5) · stocktitan.net
- 2026-08-12 [CNB Financial Corporation Announces Quarterly Dividend for Common Stock - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2023-01-13 [CNB Bank establishes second largest NCPA LaunchBox endowment to date - The Pennsylvania State University](https://news.google.com/rss/articles/CBMipgFBVV95cUxNcTZXRGZJNmFTSkRXdGV4S0V1eGhLVVdsR0ZGbGxSeS1JeXpmNTJOd21tLWFDNnM0UXVZRFRLZ1VRZ1JOR2k5M2FmSjZFSWdIYkZ0VTNsZHlNenBBdlBlUmVNYS02d1o0S1lUcVZTRENWTGVpMnpyc3ptdFlxOENwUm9iMjUxUzBremI4b0tPNVljY19FRUZkTUtBV2lNY0lSMjZqWE9R?oc=5) · The Pennsylvania State University
- 2025-01-13 [Pennsylvania banks to combine in $214M deal - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxONGk2c2RPMmlJaGlrZXFYeWoxSWJBSjhtdUhDZzVPU2pTX2gtVS1BSHJtS1VCOHJya2FtM2E5eGZJMnJwZG5SYnJfbm5aVjdCUUVPX1BWMTBaQWt0WjdxRm4wbVlhclFnTmp5X3VKVjBkY254Mk5CbzU3TDNSVExwaHNId0tBWXhaa29zOTRvX3BEQjdVVmo4Y1R5UmY?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13876 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "13876", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide