cnb bank
CNB Bank is the principal banking subsidiary of CNB Financial Corporation (NASDAQ: CCNE), operating 79 offices across Pennsylvania, Ohio, New York, and Virginia under five regional brands to deliver retail, commercial, mortgage, treasury management, and wealth management services.
- Company typePublic
- Founded-
- HeadquartersClearfield, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What cnb bank does
CNB Bank operates as the principal banking subsidiary of CNB Financial Corporation (NASDAQ: CCNE), delivering retail, commercial, mortgage, treasury management, and wealth management services through 79 offices across Pennsylvania, Ohio, New York, and Virginia under five regional brands—ERIEBANK, FCBank, BankOnBuffalo, Ridge View Bank, and ESSA Bank. As of Q2 2026, the consolidated organization held approximately $8.4 billion in assets, a $6.4 billion loan portfolio, and $7.1 billion in deposits, with annualized ROE of 12.65% and net interest margin of 3.88%.
The product ecosystem is anchored by digital channels (goVivo mobile banking app, Personal and Business eBanking platforms) and a multi-product suite spanning deposit accounts, residential and commercial mortgages, HELOCs (Freedom HELOC), credit cards (Visa Gold Reward, Business Rewards, Corporate Purchasing), specialized small business lending (SBX Small Business Xpress), treasury services (ACH, Remote Deposit, Lockbox, Cash Allocation Manager, Positive Pay Plus), and the API-first EZescrow escrow/subaccounting platform. Wealth management is delivered through 1865 Wealth Advisors and a dedicated Private Banking unit serving high-net-worth clients.
Revenue is generated primarily through net interest income from loan and deposit spreads, supplemented by non-interest income from service charges, card processing and interchange, treasury management fees, and wealth management fees. Distribution relies on a hybrid physical-branch-plus-digital model, complemented by community-focused programs such as the Open Your Door mortgage assistance initiative, First Responders Mortgage Program, and the Parade Street Financial Education Center. The bank completed the acquisition of ESSA Bancorp in July 2025, materially extending its Northeastern Pennsylvania footprint.
cnb bank firmographics
Firmographics- Name
- cnb bank
- Legal name
- ERIEBANK is a Subsidiary of CNB Bank. CNB Bank is a subsidiary of CNB Financial Corporation.
- Website
- https://eriebank.net
- Company type
- Public
- Operating status
- Operating
- Short description
- CNB Bank is the principal banking subsidiary of CNB Financial Corporation (NASDAQ: CCNE), operating 79 offices across Pennsylvania, Ohio, New York, and Virginia under five regional brands to deliver retail, commercial, mortgage, treasury management, and wealth management services.
- Ownership category
- akta.pro rank
cnb bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Real Estate (Commercial Property, REITs) (FSABACAH), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where cnb bank is headquartered
LocationHeadquarters
- HQ city
- Clearfield
- HQ country
- United States
- HQ region
- North America
Offices8 records
Markets served
cnb bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Primary revenue stream from interest earned on loans (commercial, residential mortgages, consumer loans) minus interest paid on deposits. Represents the spread between lending rates and deposit costs.
- Non-Interest Income: Fee income from deposit service charges, wealth and asset management fees, card processing and interchange income, and treasury management services.
- Wealth Management Services: Private banking and investment management services for high-net-worth individuals including trust services, portfolio management, and personalized banking solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Small Business Checking - No minimum balance, no monthly service charges |
| Other | Monthly | Business Interest Checking - $10,000 minimum balance |
| Hybrid | Pay-as-you-go | Freedom HELOC - Introductory 4.00% APR for 6 months |
| Other | Other | Open Your Door Program - Up to $10,000 mortgage assistance |
| Other | Other | SBX Small Business Loan - $5,000 to $100,000 |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels7 records
cnb bank product offering
Product offeringCore offering
CNB Bank, operating primarily as ERIEBANK, is a regional community bank delivering personal and business deposit products (checking, savings, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, home equity, auto, personal loans, small business loans, commercial term loans, lines of credit, letters of credit), treasury management services (ACH, Remote Deposit, EZescrow, Cash Allocation Manager, Positive Pay Plus, Lockbox), credit and debit cards, and wealth advisory and private banking services. The bank serves customers through 79 branch offices across Pennsylvania, Ohio, New York, and Virginia, complemented by digital channels including goVivo mobile banking and online eBanking platforms.
Product overview
CNB Bank (operating as ERIEBANK) offers a comprehensive banking platform with personal, business, and private banking services. The core product ecosystem includes goVivo mobile banking and Business eBanking as the primary digital channels, supplemented by specialized lending products (SBX small business loans, Freedom HELOC, mortgages), deposit products (checking, savings, CDs, IRAs, HSAs), treasury services (ACH, Positive Pay, Remote Deposit, EZescrow, Cash Allocation Manager, Lockbox), and credit cards (Visa Gold Reward, Business Rewards, Corporate Purchasing/Fleet). Wealth management is delivered through 1865 Wealth Advisors and Private Banking divisions. The bank also provides financial education through the Impressia Connect platform and Parade Street Financial Education Center, plus specialized community programs like the Open Your Door mortgage assistance and Neighborhood Home Loan programs.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Suite of consumer checking products including Checking Plus (premium), At Ease Checking, Free Checking, Stress Less (overdraft-avoidance), and WOW Checking (premium benefits), designed for everyday banking needs of individual consumers.
- Personal Savings Accounts
- CDs and IRAs
- Health Savings Account (HSA)
- goVivo Mobile Banking App
- Personal eBanking
- Visa Gold Reward Credit Card
- Freedom HELOC
- Mortgages
- Open Your Door Program
- Neighborhood Home Loan
- First Responders Mortgage Program
- First Time Home Buyer Program
- Construction Loans
- Personal Loans and Lines of Credit
- Private Student Loans
- Private Banking
- 1865 Wealth Advisors
- Business Checking Accounts
- Business Savings Accounts and CDs
- SBX Small Business Xpress
- Commercial Term Loans
- Commercial Lines of Credit and Letters of Credit
- Visa Business Rewards Credit Card
- Business eBanking
- ACH Payment and Payroll Services
- EZescrow Platform
- Cash Allocation Manager
- Remote Deposit
- Positive Pay Plus
- Lockbox Services
- Merchant Credit Card Processing
- Corporate Purchasing and Fleet Card
- ATM with Live Banker
- Impressia Connect
- Parade Street Financial Education Center
Quantifiable outcome
- Net income of $27.2 million for Q2 2026, up from $12.9 million in Q2 2025
- +3 more outcomes
Companies that use cnb bank
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles4 records
cnb bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
cnb bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Pennsylvania Higher Education Assistance Agency (PHEAA)corePartnership to offer PA Forward and Keystone Student Loan programs for private education financing. PHEAA offers private education loan options to students in DE, MD, NJ, NY, OH, VA, and WV. ERIEBANK serves as distribution channel for these state-based student loans featuring low, fixed rates and no fees.
- GreenPath Financial WellnesscoreFinancial counseling partnership providing certified counselors to help customers with debt management, credit repair, and financial planning. GreenPath specialists offer free financial education and counseling services accessible through ERIEBANK's Financial Wellness Center.
- VisacorePartnership for debit and credit card processing. ERIEBANK offers Visa-branded business and personal cards with contactless technology, Verified by Visa security, and global acceptance at over 24 million merchant locations.
- East Side RenaissanceminorCommunity partnership supporting revitalization efforts in Erie's East Side. ERIEBANK opened a first-of-its-kind Financial Education Center location on Parade Street as part of ongoing revitalization efforts led by East Side Renaissance.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
cnb bank competitors and assessment
Company assessmentDirect peers
- Northwest Bank: Northwest Bank operates a community-bank network across Pennsylvania, Ohio, New York, and Indiana, offering consumer and commercial lending alongside deposit services. Its footprint and product mix closely match CNB Bank's regional, branch-led model.
- S&T Bank: S&T Bank is a Western Pennsylvania-focused community bank serving consumers, small businesses, and commercial clients through physical and digital channels. It is closely comparable in regional concentration, customer mix, and core banking products.
- First Commonwealth Bank: First Commonwealth Bank provides consumer, business, mortgage, and wealth services across Pennsylvania and Ohio. Its branch footprint and customer base substantially overlap CNB's Pennsylvania and Ohio markets.
- Fulton Bank: Fulton Bank is a Pennsylvania-based full-service community bank with retail, commercial, mortgage, and wealth capabilities across the Mid-Atlantic. Its operating model and diversified regional banking franchise are highly comparable to CNB.
- Univest Financial Corporation: Univest is an Eastern Pennsylvania commercial bank offering business lending, treasury, retail, and wealth services. It is particularly comparable to CNB's expansion into Northeastern Pennsylvania and the Lehigh Valley.
Broad incumbents
- F.N.B. Corporation: F.N.B. is a larger regional bank with major operations in Pennsylvania, Ohio, and New York and a broad range of consumer and commercial services. It overlaps directly with CNB's markets and product suite but has substantially greater scale.
- M&T Bank: M&T Bank is a major Northeast and Mid-Atlantic institution offering consumer, commercial, mortgage, and wealth services. It overlaps with CNB in New York and Pennsylvania but competes from a substantially larger balance sheet and distribution network.
Regional players
- Bryn Mawr Trust: Bryn Mawr Trust is a Pennsylvania community bank providing consumer, business, private banking, and wealth management services. Its business mix is similar to CNB, although its primary market is the Philadelphia suburbs rather than CNB's core western and northern footprint.
- Tompkins Financial Corporation: Tompkins Financial is a community-focused institution with New York and Pennsylvania operations spanning consumer, business, and wealth services. It is comparable through its regional branch model and similar mix of deposit and lending relationships.
- Community Bank System: Community Bank System serves consumers and businesses through branches and digital channels across upstate New York and northern Pennsylvania. Its community-bank focus and customer segments are closely aligned with CNB.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
cnb bank social profiles
Digital presencecnb bank compliance and trust
Trust signalCompliance4 records
cnb bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
cnb bank leadership team
Management profileNumber of profiles
Profiles6 records
cnb bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
cnb bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about cnb bank
What does cnb bank do?
CNB Bank, operating primarily as ERIEBANK, is a regional community bank delivering personal and business deposit products (checking, savings, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, home equity, auto, personal loans, small business loans, commercial term loans, lines of credit, letters of credit), treasury management services (ACH, Remote Deposit, EZescrow, Cash Allocation Manager, Positive Pay Plus, Lockbox), credit and debit cards, and wealth advisory and private banking services. The bank serves customers through 79 branch offices across Pennsylvania, Ohio, New York, and Virginia, complemented by digital channels including goVivo mobile banking and online eBanking platforms.
Is cnb bank a public or private company?
cnb bank is a public company. It is classified as public and is currently operating.
When was cnb bank founded?
cnb bank was founded in -1.
Where is cnb bank based?
cnb bank is headquartered in Clearfield, United States, in the North America region.
How does cnb bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and wealth Management Services.
Who are cnb bank's main competitors?
Direct peers on record are Northwest Bank, S&T Bank, First Commonwealth Bank, Fulton Bank and Univest Financial Corporation. Broad incumbents are F.N.B. Corporation and M&T Bank. Regional players are Bryn Mawr Trust, Tompkins Financial Corporation and Community Bank System.
Does cnb bank have an API?
No public API is recorded for cnb bank.
What industry is cnb bank in?
cnb bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 52211 and its SIC code is 6022.