cnb bank

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.

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

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

• Community banking services
• Small business lending
• Treasury management solutions
• Private wealth management
• Mortgage lending programs

Headquarters

HQ city

Clearfield

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. Non-Interest Income: Fee income from deposit service charges, wealth and asset management fees, card processing and interchange income, and treasury management services.
3. 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

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core 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

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Pennsylvania Higher Education Assistance Agency (PHEAA)coreStrategic or Co-development PartnerPartnership 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 WellnesscoreStrategic or Co-development PartnerFinancial 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.
• VisacoreTechnology or IntegrationPartnership 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 RenaissanceminorStrategic or Co-development PartnerCommunity 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

Direct 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

• Facebookfacebook.com/ERIEBANK
• LinkedInlinkedin.com/company/eriebank
• Instagraminstagram.com/eriebank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about cnb bank