CNB Financial Corporation

What CNB Financial Corporation does

CNB Financial Corporation is a publicly traded bank holding company (NASDAQ: CCNE) headquartered in Clearfield, Pennsylvania, operating primarily through its wholly owned CNB Bank subsidiary and four branded divisions — CNB Bank (central/western Pennsylvania), ERIEBANK (northwest Pennsylvania/northeast Ohio), BankOnBuffalo (western New York), and Ridge View Bank (Roanoke, Virginia) — plus FCBank in central Ohio. The franchise was established in 1865 and has grown to approximately $8.5 billion in consolidated assets, $7.1 billion in total deposits, 79 offices across four states, and over 76,000 customers served by 800+ employees as of Q1 2026.

The company operates a traditional community banking platform augmented by digital channels. Core technology includes a standard core banking system, online and mobile banking (the goVivo app for iOS and Android), SMS-based customer support, multi-factor authentication, and a fraud detection engine monitoring over 65 fraud scenarios. Products span personal checking and savings accounts, CDs and IRAs (including specialty offerings such as Livestock CDs and an At Ease veterans program), consumer and commercial lending (mortgages, HELOCs, commercial term loans, lines of credit, the SBX small business loan program), treasury and merchant services, and wealth management via 1865 Wealth Advisors. The Impressia Bank division specifically serves women-owned businesses. Integrations include Zelle, IntraFi ICS and CDARS for multi-bank FDIC coverage, DocuSign, and ScoreCard Rewards.

The revenue model is a standard commercial bank mix: net interest income from real estate, commercial, industrial, residential, and consumer loans forms the core, supplemented by deposit account fees, treasury management fees (ACH origination, payroll, merchant processing), and wealth management/advisory fees. Distribution combines 79 physical branches and 19 ATMs with phone banking, online/mobile channels, and a centralized customer service center, all operated under a relationship-banking model emphasizing local decision-making authority. Following the 2025 ESSA Bancorp acquisition, the company reported Q1 2026 revenue of $73.72 million (up 51.41% year-over-year) and adjusted EPS growth of 54.39%, and maintains a 33+ year record of consecutive dividend payments.

Name

CNB Financial Corporation

Legal name

CNB Financial Corporation

Website

https://cnbbank.bank

Company type

Public

Founded year

1865

Operating status

Operating

Headcount range

501–1,000 employees

Short description

CNB Financial Corporation (NASDAQ: CCNE) is a publicly traded bank holding company operating CNB Bank and four regional divisions across Pennsylvania, Ohio, New York, and Virginia, offering consumer, small business, and wealth management banking services to over 76,000 customers across 79 offices.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)

Keywords

• Community banking services
• Commercial lending products
• Consumer deposit accounts
• Wealth management services
• Small business banking

Headquarters

HQ city

Clearfield

HQ country

United States

HQ region

North America

Offices20 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional bank interest income from lending activities including real estate loans, commercial loans, industrial loans, residential loans, and consumer loans.
2. Deposit Account Fees: Fees from checking, savings, time and deposit accounts.
3. Wealth Management and Trust Services: Private Banking, trust services, retirement plans and other employee benefit plans.
4. Cash Management Services: ACH origination and payroll processing, merchant credit card processing, accounts receivable handling.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

CNB Financial Corporation operates through its CNB Bank subsidiary, delivering traditional and digital banking products and services to consumers and businesses. Offerings include checking and savings accounts, certificates of deposit, residential and commercial mortgage lending, consumer and commercial loans, treasury and cash management, credit cards, digital banking via the goVivo mobile app, and wealth management through 1865 Wealth Advisors. The bank also operates specialized programs such as the At Ease veterans initiative and BankOnWheels mobile branch, and serves markets across Pennsylvania, Ohio, New York, and Virginia through divisions including ERIEBANK, BankOnBuffalo, Ridge View Bank, and FCBank.

Product overview

CNB Financial Corporation is a bank holding company operating primarily through its CNB Bank subsidiary. The company offers a unified platform of financial services organized into four divisions: CNB Bank, ERIEBANK, BankOnBuffalo, and Ridge View Bank, plus FCBank. The product portfolio spans consumer banking (checking, savings, CDs, IRAs), digital banking via the goVivo® mobile app and Personal eBanking platform, business banking (commercial lending, treasury management, SBX small business loans), wealth management through 1865 Wealth Advisors, and specialized lending (mortgages, home equity, personal loans). Additional services include Private Banking, the At Ease veterans program, SMS Text Chat support, and community initiatives like BankOnWheels.

Differentiator

Problem solved

Functional benefit

Brands

• 1865 Wealth Advisors: Wealth management and advisory services operating at ERIEBANK, offering customized solutions for high-net-worth individuals, families, and businesses.

Products and services

• Personal Checking Accounts A suite of personal checking account products (Checking Plus, At Ease Checking, Free Checking, Stress Less, WOW Checking) designed for individual consumers seeking everyday banking, premium features, or no-fee options.
• Personal Savings Accounts Savings account products including CNBear Savings Club, At Ease Savings, EZ Savings, Holiday Club, and Health Savings Account (HSA) for individual consumers' savings goals, healthcare expenses, and family financial planning.
• Certificates of Deposit and IRAs Fixed-term and tax-advantaged deposit products including Traditional CDs, At Ease CD, IRA Savings, IRA CDs, and the specialized Livestock CD for farmers and livestock producers.
• Mortgages and Home Equity Loans Home mortgage loans including conventional mortgages, construction loans, first responder mortgage programs, home equity loans, and Freedom HELOC for purchasing, refinancing, or accessing home equity.
• Personal Loans Unsecured personal loans, personal lines of credit, auto loans, and private student loans for individual consumer borrowing needs.
• Commercial Term Loans Fixed-term commercial loans for businesses funding capital investments, equipment purchases, or expansion needs.

Quantifiable outcome

• 226% increase in student knowledge about budgeting, spending, and income after Financial Reality Fairs
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Five partnerships are on record, tiered minor.

• Emily Whitehead FoundationminorStrategic or Co-development Partner · 1 January 2026Charitable partnership supporting the Foundation's mission to Activate The Cure for childhood cancer through CAR T-cell therapy awareness and funding. The Foundation's founder Emily was the first child in the world to have her immune cells activated to fight cancer and is now cancer-free.
• American Cancer SocietyminorStrategic or Co-development Partner · 1 January 2026Beneficiary of CNB Bank's annual Charity Golf Tournament. Over $288,000 has been raised for the organization through this annual event.
• Clearfield Area United WayminorStrategic or Co-development Partner · 1 January 2026Beneficiary of CNB Bank's annual Charity Golf Tournament supporting local community organizations.
• GreenPath Financial WellnessminorStrategic or Co-development PartnerFinancial counseling services partner providing customers with access to financial counseling, debt management, and financial wellness programs.
• LEED Certified Building PartnersminorStrategic or Co-development PartnerSustainable building design partnerships for LEED certified branches in Buffalo, NY and Roanoke, VA focusing on green building design and operation.

Scale indicators8 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• Northwest Bancshares: Columbus, OH-headquartered bank holding company (NASDAQ: NWBI) with community-banking branches across Pennsylvania, Ohio, New York — overlapping CNB's ERIEBANK, FCBank, and BankOnBuffalo geographies.
• F.N.B. Corporation: Pennsylvania-headquartered regional bank holding company (NYSE: FNB) with comparable community-banking model, multi-state footprint, and commercial/consumer banking mix overlapping CNB's central and western PA markets.
• Univest Financial Corporation: Southeastern Pennsylvania-based bank holding company (NASDAQ: UVSP) of similar scale providing commercial, consumer, and wealth management banking — comparable in size, business model, and Mid-Atlantic community-banking positioning.
• First Commonwealth Financial Corporation: Pennsylvania-based regional bank holding company (NYSE: FCF) of similar size with consumer and commercial banking across western and central PA, directly overlapping CNB's core territory.
• S&T Bancorp: Indiana, PA-based community bank holding company (NASDAQ: STBA) of comparable scale serving western Pennsylvania with consumer, commercial, and wealth management services — directly competitive in CNB's Indiana County and surrounding footprint.
• Tompkins Financial Corporation: Ithaca, NY-based bank holding company (NYSE-AMEX: TMP) with community-banking operations in western and central New York — directly competitive with CNB's BankOnBuffalo division.
• Evans Bancorp: Buffalo, NY-based community bank holding company (NYSE: EVBN) of smaller scale serving the western New York market with consumer and commercial banking — directly overlapping BankOnBuffalo's footprint.

Regional players

• Trustco Bank Corp NY: Glenville, NY-based community bank holding company (NASDAQ: TRST) of comparable scale with branches in upstate New York — overlapping CNB's western New York presence and offering similar community-banking products.

Broad incumbents

• M&T Bank Corporation: Buffalo, NY-headquartered regional bank holding company (NYSE: MTB) with extensive upstate New York presence — directly competitive in BankOnBuffalo's territory as a much larger incumbent.
• Citizens Financial Group: Providence, RI-headquartered regional bank holding company (NYSE: CFG) with significant Pennsylvania presence through Citizens Bank — a broader-incumbent competitor offering similar consumer/commercial products at much greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CNBBankCommunity
• LinkedInlinkedin.com/company/cnb-financial-corporation
• Instagraminstagram.com/cnb_bank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CNB Financial Corporation