CNB Financial Corporation (CCNE): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause der CNB Financial Corporation (CCNE), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Dieses umfassende Business Model Canvas zeigt, wie dieses in Pennsylvania ansässige Finanzinstitut personalisierte Bankerlebnisse schafft und dabei ein robustes Netzwerk lokaler Partnerschaften, modernste digitale Infrastruktur und gemeinschaftsorientierte Strategien nutzt, um unterschiedlichen Kundensegmenten einen außergewöhnlichen Mehrwert zu bieten. Von kleinen Unternehmen bis hin zu vermögenden Privatpersonen zeigt das sorgfältig konzipierte Modell von CNB Financial, wie regionale Banken in der dynamischen Finanzlandschaft von heute effektiv konkurrieren können.

CNB Financial Corporation (CCNE) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Wirtschaftsverbände

CNB Financial Corporation unterhält Partnerschaften mit folgenden Wirtschaftsverbänden:

Vereinsname	Einzelheiten zur Partnerschaft	Gründungsjahr
Pennsylvania Bankers Association	Aktive Mitgliedschaft und gemeinschaftliches Networking	2015
Handelskammer von Ohio	Unternehmensvermittlungs- und Wirtschaftsentwicklungsprogramme	2017

Gemeinschaftsbanken und Finanzdienstleister

CNB Financial Corporation arbeitet mit folgenden Finanzdienstleistern zusammen:

• Zentralbank von Pennsylvania
• Erste Nationalbank von West-Pennsylvania
• Regionale Finanzdienstleistungsnetzwerke, die 3 Bundesstaaten abdecken

Technologieanbieter für digitale Banking-Lösungen

Zu den wichtigsten Technologiepartnerschaften gehören:

Technologieanbieter	Service bereitgestellt	Vertragswert
Fiserv Inc.	Kernbank-Softwareplattform	2,3 Millionen US-Dollar pro Jahr
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	1,7 Millionen US-Dollar jährlich

Netzwerkpartner für Hypotheken und Kredite

Kreditnetzwerkpartnerschaften:

• Mitglied des Netzwerks der Mortgage Bankers Association
• Bevorzugter Kreditgeber der Small Business Administration (SBA).
• Gesamtes Kreditpartnerschaftsnetzwerk, das 12 Landkreise abdeckt

Mitarbeiter im Bereich Versicherungs- und Investmentdienstleistungen

Details zur Versicherungs- und Investmentpartnerschaft:

Partner	Art der Zusammenarbeit	Jährlicher Umsatzanteil
Bundesweite Versicherung	Empfehlung von Anlage- und Versicherungsprodukten	$450,000
Vanguard-Gruppe	Vertrieb von Anlageprodukten	$680,000

CNB Financial Corporation (CCNE) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete die CNB Financial Corporation eine Bilanzsumme von 12,2 Milliarden US-Dollar. Die Bank betreibt 94 Community-Banking-Filialen in Pennsylvania und Ohio.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Persönliche Girokonten	87.456 Konten
Geschäftsgirokonten	15.230 Konten
Sparkonten	62.345 Konten

Kreditvergabe und Kreditmanagement

Gesamtkreditportfolio zum 31. Dezember 2023: 9,8 Milliarden US-Dollar

• Gewerbliche Immobilienkredite: 3,6 Milliarden US-Dollar
• Kommerziell & Industriekredite: 2,1 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 2,5 Milliarden US-Dollar
• Verbraucherkredite: 1,6 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Kennzahlen der digitalen Banking-Plattform für 2023:

Digitaler Service	Benutzerakzeptanzrate
Mobile-Banking-Benutzer	68.500 aktive Benutzer
Online-Banking-Benutzer	95.230 aktive Benutzer
Digitales Transaktionsvolumen	3,2 Millionen monatliche Transaktionen

Finanzberatung und Vermögensverwaltung

Leistung der Vermögensverwaltungsabteilung im Jahr 2023:

• Insgesamt verwaltetes Vermögen: 1,7 Milliarden US-Dollar
• Anzahl der Wealth-Management-Kunden: 8.750
• Durchschnittlicher Wert des Kundenportfolios: 194.000 USD

Risikobewertung und Compliance-Überwachung

Ausgaben für Compliance und Risikomanagement für 2023: 12,4 Millionen US-Dollar

Compliance-Bereich	Überwachungsmetriken
Bekämpfung der Geldwäsche	Monatlich werden 12.500 Transaktionen analysiert
Regulatorische Berichterstattung	98,7 % Pünktlichkeitsquote
Cybersicherheitsvorfälle	3 kleinere Vorfälle, keine Datenschutzverletzungen

CNB Financial Corporation (CCNE) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Pennsylvania

Ab dem vierten Quartal 2023 betreibt die CNB Financial Corporation 74 Community-Banking-Büros mit umfassendem Service, die sich hauptsächlich in Pennsylvania befinden. Das physische Netzwerk der Bank deckt 19 Bezirke im ganzen Bundesstaat ab.

Geografische Metrik	Spezifische Daten
Gesamtzahl der Bankfilialen	74
Landkreise bedient	19
Primärer Betriebszustand	Pennsylvania

Erfahrenes Finanzmanagement-Team

Das Führungsteam besteht aus Führungskräften mit durchschnittlich 22 Jahren Bankerfahrung.

• Gesamtzahl der Mitglieder des Führungsteams: 7
• Durchschnittliche Bankerfahrung: 22 Jahre
• Amtszeit von CEO Michael G. Sherry: 12 Jahre

Fortschrittliche digitale Banking-Infrastruktur

Gesamtinvestition in die digitale Banking-Plattform im Jahr 2023: 3,2 Millionen US-Dollar.

Digital-Banking-Metrik	Quantitative Daten
Online-Banking-Benutzer	48,375
Mobile-Banking-Benutzer	36,250
Investition in digitale Plattformen	3,2 Millionen US-Dollar

Diversifiziertes Finanzproduktportfolio

Die Produktpalette umfasst gewerbliche Kredite, Privatkundengeschäft, Vermögensverwaltung und Treasury-Dienstleistungen.

• Gewerbliches Kreditportfolio: 1,24 Milliarden US-Dollar
• Privatkundenkonten: 87.500
• Verwaltetes Vermögen der Vermögensverwaltung: 425 Millionen US-Dollar

Kundenbeziehungsmanagementsysteme

Implementierung der Salesforce CRM-Plattform mit einer Gesamtsysteminvestition von 1,7 Millionen US-Dollar im Jahr 2023.

CRM-Metrik	Spezifische Daten
CRM-Plattform	Salesforce
CRM-Investition	1,7 Millionen US-Dollar
Verfolgung von Kundeninteraktionen	Echtzeit

CNB Financial Corporation (CCNE) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 betreut die CNB Financial Corporation 57 kommunale Bankbüros in Pennsylvania und Ohio mit einem Gesamtvermögen von 8,2 Milliarden US-Dollar. Die Bank bietet lokalisierte Banklösungen für bestimmte regionale Marktsegmente.

Region	Anzahl der Filialen	Marktdurchdringung
Pennsylvania	42	68%
Ohio	15	32%

Wettbewerbsfähige Zinssätze und Finanzprodukte

CNB bietet wettbewerbsfähige Finanzprodukte mit folgenden Zinsstrukturen an:

Produkt	Zinssatz	Mindesteinzahlung
Persönliche Ersparnisse	3.25%	$500
Geschäftsprüfung	2.75%	$1,000
CD-Preise	4.50% - 5.25%	$1,000

Bequeme digitale und persönliche Banking-Erlebnisse

Kennzahlen zum digitalen Banking ab 2023:

• Mobile-Banking-Nutzer: 78.500
• Online-Banking-Transaktionen: 2,3 Millionen monatlich
• Verfügbarkeit der digitalen Banking-Plattform: 99,98 %

Beziehungsorientierter Kundenservice

Leistungsindikatoren für den Kundenservice:

• Durchschnittliche Kundenbindungsrate: 87 %
• Kundenzufriedenheitswert: 4,6/5
• Durchschnittliche Kundenbeziehungsdauer: 8,3 Jahre

Maßgeschneiderte Finanzberatung für Privatpersonen und Unternehmen

Aufschlüsselung der Finanzberatungsleistungen:

Beratungsdienst	Anzahl der Kunden	Durchschnittlicher Portfoliowert
Persönliche Finanzplanung	12,500	$475,000
Unternehmensfinanzberatung	3,200	1,2 Millionen US-Dollar
Ruhestandsplanung	8,900	$625,000

CNB Financial Corporation (CCNE) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Die CNB Financial Corporation unterhält ab 2023 74 kommunale Bankbüros in Pennsylvania, Ohio und Maryland. Die Bank betreut rund 85.000 Kundenkonten mit personalisierten Beziehungsmanagementstrategien.

Kundensegment	Beziehungsmanagement-Ansatz	Jährliche Interaktionshäufigkeit
Persönliches Banking	Engagierte Kundendienstmitarbeiter	4-6 Interaktionen pro Jahr
Geschäftsbanking	Zugewiesene Beziehungsmanager	8-12 Interaktionen pro Jahr

Online- und Mobile-Banking-Unterstützung

Im vierten Quartal 2023 gab die CNB Financial Corporation an, dass 62 % der Kunden digitale Banking-Plattformen aktiv nutzen.

• Mobile-Banking-App-Downloads: 38.500
• Aktive Online-Banking-Benutzer: 52.300
• Digitales Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen

Community-orientierte Kundenbindung

Die CNB Financial Corporation investierte im Jahr 2023 475.000 US-Dollar in lokale Community-Engagement-Programme.

Engagement-Typ	Anzahl der Ereignisse	Auswirkungen auf die Gemeinschaft
Lokale Sponsorings	47	Gesamtinvestition: 225.000 US-Dollar
Programme zur Finanzkompetenz	22	3.600 Community-Teilnehmer

Dedizierte Kundenbetreuer für Geschäftskunden

Die CNB Financial Corporation betreut 4.200 Geschäftskundenkonten mit spezialisiertem Beziehungsmanagement.

• Durchschnittliche Größe des Geschäftskundenportfolios: 2,3 Millionen US-Dollar
• Engagierte Geschäftsbeziehungsmanager: 37 Fachleute
• Durchschnittliche Kundenbindungsrate: 89 %

Regelmäßige Finanzbildungs- und Beratungsdienste

Im Jahr 2023 führte die Bank in ihren operativen Regionen 96 Workshops zur Finanzbildung durch.

Beratungsdiensttyp	Gesamtzahl der Sitzungen	Anzahl der Teilnehmer
Ruhestandsplanung	42 Sitzungen	1.850 Teilnehmer
Finanzmanagement für kleine Unternehmen	54 Sitzungen	2.300 Teilnehmer

CNB Financial Corporation (CCNE) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Pennsylvania

Ab 2024 betreibt die CNB Financial Corporation insgesamt 74 Filialen in ganz Pennsylvania.

Filialstandorttyp	Anzahl der Filialen
Privatkundenfilialen	68
Kommerzielle Bankzentren	6

Online-Banking-Plattform

CNB Financial Corporation bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Mobile Scheckeinzahlung
• Anzeigen von Erklärungen

Mobile-Banking-Anwendung

Die Mobile-Banking-Anwendung unterstützt ab dem vierten Quartal 2023 über 35.000 aktive monatliche Benutzer.

Metriken für mobile Apps	Wert
Monatlich aktive Benutzer	35,287
App Store-Bewertung	4.6/5

ATM-Netzwerk

Die CNB Financial Corporation unterhält 92 eigene Geldautomatenstandorte in ganz Pennsylvania.

Details zum Geldautomatennetzwerk	Zählen
Gesamtzahl der Geldautomatenstandorte	92
Kostenlose Geldautomatentransaktionen für Kontoinhaber	Unbegrenzt

Telefonischer und digitaler Kundensupport

Zu den Kundensupportkanälen gehören:

• Telefonsupport rund um die Uhr
• E-Mail-Support
• Live-Chat
• Online-Hilfezentrum

Support-Kanal	Durchschnittliche Reaktionszeit
Telefonsupport	3,5 Minuten
Live-Chat	2,1 Minuten

CNB Financial Corporation (CCNE) – Geschäftsmodell: Kundensegmente

Lokale kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut die CNB Financial Corporation etwa 2.300 kleine und mittlere Unternehmen in den Regionen Pennsylvania und Ohio.

Geschäftssegmentkennzahlen	Gesamtwert
Gesamte gewerbliche Kredite	687,4 Millionen US-Dollar
Durchschnittliches Geschäftsbankkonto	$124,500
Anzahl der Geschäftsbankkunden	2,300

Privatkunden im Privatkundengeschäft

Die CNB Financial Corporation betreut in ihrer gesamten operativen Präsenz 68.500 private Privatkunden.

Kennzahlen zum Privatkundengeschäft	Gesamtwert
Gesamte Privatkundeneinlagen	1,2 Milliarden US-Dollar
Anzahl der persönlichen Girokonten	42,300
Durchschnittlicher persönlicher Sparkontostand	$22,750

Geschäfts- und Firmenkunden

Die CNB Financial Corporation unterhält 850 aktive Geschäfts- und Firmenkundenbeziehungen.

Kennzahlen für das Firmenkundengeschäft	Gesamtwert
Gesamtes Unternehmenskreditportfolio	456,7 Millionen US-Dollar
Anzahl Firmenkunden	850
Durchschnittlicher Wert einer Unternehmensbankbeziehung	$537,300

Kommunalverwaltung und kommunale Körperschaften

Die Bank betreut 63 lokale Regierungs- und Kommunalbehörden in ihren Geschäftsregionen.

Kommunale Bankkennzahlen	Gesamtwert
Gesamte kommunale Einlagen	214,6 Millionen US-Dollar
Anzahl kommunaler Kunden	63
Durchschnittliche kommunale Bankbeziehung	3,4 Millionen US-Dollar

Vermögende Privatpersonen

Die CNB Financial Corporation verwaltet Beziehungen zu 1.200 vermögenden Privatpersonen.

Kennzahlen zum vermögenden Banking	Gesamtwert
Gesamtes verwaltetes vermögendes Vermögen	342,5 Millionen US-Dollar
Anzahl vermögender Kunden	1,200
Durchschnittlicher Wert eines vermögenden Portfolios	$285,400

CNB Financial Corporation (CCNE) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Für das Geschäftsjahr 2023 meldete die CNB Financial Corporation Gesamtausgaben für den Filialbetrieb in Höhe von 12,4 Millionen US-Dollar. Dazu gehört:

Ausgabenkategorie	Betrag ($)
Anlagenwartung	3,650,000
Dienstprogramme	1,850,000
Miet- und Pachtkosten	4,750,000
Filialsicherheit	2,150,000

Investitionen in die Technologieinfrastruktur

Die CNB Financial Corporation investierte im Jahr 2023 8,7 Millionen US-Dollar in die Technologieinfrastruktur, mit folgender Aufteilung:

• Digitale Banking-Plattform: 3.200.000 US-Dollar
• Verbesserungen der Cybersicherheit: 2.500.000 US-Dollar
• IT-Hardware-Upgrades: 1.750.000 US-Dollar
• Softwarelizenz: 1.250.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter für 2023 betrug 45,6 Millionen US-Dollar:

Vergütungskategorie	Betrag ($)
Grundgehälter	32,500,000
Krankenversicherung	5,750,000
Altersvorsorgeleistungen	4,350,000
Leistungsprämien	3,000,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf insgesamt 6,3 Millionen US-Dollar:

• Rechts- und Compliance-Mitarbeiter: 2.800.000 US-Dollar
• Prüfungs- und Berichterstattungskosten: 1.950.000 USD
• Kosten für die behördliche Einreichung: 1.550.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 4,2 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	1,750,000
Traditionelle Werbung	1,250,000
Sponsoring von Gemeinschaftsveranstaltungen	650,000
Kundengewinnungsprogramme	550,000

CNB Financial Corporation (CCNE) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 berichtete die CNB Financial Corporation 132,4 Millionen US-Dollar an den gesamten Zinserträgen. Aufschlüsselung der Darlehenszinserträge:

Kreditkategorie	Umsatzbetrag
Gewerbliche Kredite	78,2 Millionen US-Dollar
Verbraucherkredite	37,6 Millionen US-Dollar
Hypothekendarlehen	16,6 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Einnahmen aus Bankdienstleistungsgebühren für 2023 betragen insgesamt 24,7 Millionen US-Dollar.

• Kontoführungsgebühren: 9,3 Millionen US-Dollar
• Transaktionsgebühren: 8,4 Millionen US-Dollar
• Überziehungsgebühren: 4,5 Millionen US-Dollar
• Andere Bankdienstleistungen: 2,5 Millionen US-Dollar

Provisionen für Anlage- und Vermögensverwaltung

Vermögensverwaltungs- und Anlagedienstleistungen generiert 18,9 Millionen US-Dollar im Jahr 2023.

Servicekategorie	Einnahmen
Vermögensverwaltung	11,2 Millionen US-Dollar
Finanzberatung	5,3 Millionen US-Dollar
Maklerdienstleistungen	2,4 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Digitale Bankeinnahmen erreicht 6,5 Millionen Dollar im Jahr 2023.

• Online-Überweisungsgebühren: 2,7 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 2,1 Millionen US-Dollar
• Digitale Zahlungsabwicklung: 1,7 Millionen US-Dollar

Einnahmen aus der Hypotheken- und Kreditvergabe

Die Gebühren für die Hypotheken- und Kreditvergabe beliefen sich auf insgesamt 15,3 Millionen US-Dollar im Jahr 2023.

Ursprungskategorie	Einnahmen
Vergabe von Wohnhypotheken	9,6 Millionen US-Dollar
Kommerzielle Kreditvergabe	5,7 Millionen US-Dollar

CNB Financial Corporation (CCNE) - Canvas Business Model: Value Propositions

Community-focused banking with local decision-making authority.

CNB Financial Corporation operates through multiple regional divisions, including ERIEBANK, FCBank, BankOnBuffalo, Ridge View Bank, ESSA Bank, and Impressia Bank. As of late 2025, the combined entity operates 79 offices across Pennsylvania, Ohio, New York, and Virginia, extending its footprint into the Northeastern Pennsylvania Region including the Lehigh Valley of Pennsylvania following the July 23, 2025 acquisition of ESSA Bancorp, Inc. This structure supports localized service delivery.

The scale of the business as of September 30, 2025, is reflected in its consolidated balance sheet metrics:

Metric	Amount as of September 30, 2025
Consolidated Total Assets	Approximately $8.3 billion
Total Loans (Excluding Syndicated)	$6.4 billion
Total Deposits	$6.9 billion
Net Interest Margin (NIM)	3.69%

Full-service financial solutions for individuals and businesses.

CNB Financial Corporation provides a full range of banking activities and services. The loan portfolio as of September 30, 2025, totaled $6.4 billion (excluding $71.9 million in syndicated loan balances). Organic loan growth for the third quarter of 2025 was $90.8 million. Deposit balances reached $6.9 billion as of September 30, 2025, with organic quarterly growth of $70.2 million. The net interest margin for the third quarter of 2025 was 3.69%.

Specialized banking for women business owners via Impressia Bank division.

CNB Financial Corporation includes Impressia Bank as a dedicated division focused on banking opportunities for women. This division operates within CNB Bank's primary market areas.

Personalized private banking and wealth management services.

The Corporation provides wealth and asset management services, retirement plans, and other employee benefit plans. CNB Bank engages in trust and wealth management services for individual, business, governmental, and institutional customers. For the six months ended June 30, 2025, one entity within the corporation reported an increase in Wealth Management income.

Convenient digital access with high-tech products like mobile check deposit.

The digital offering supports client needs with various technologies. Key digital features available include:

• Online banking
• Mobile banking
• Remote deposit
• Merchant card processing
• Accounts receivable handling

The average deposit balance per account for CNB Bank was approximately $34 thousand as of June 30, 2025, a level that remained stable for an extended period.

CNB Financial Corporation (CCNE) - Canvas Business Model: Customer Relationships

The customer relationships strategy for CNB Financial Corporation centers on a multi-channel approach, balancing high-touch personal service with scalable digital convenience across its expanding footprint.

Dedicated Relationship Managers for Business and Private Banking Clients

CNB Bank emphasizes growth driven by its in-market customer relationships, with specific mention of the Private Banking division contributing to loan increases for the three months ended June 30, 2025, compared to the prior quarter and year-over-year as of June 30, 2025. The Corporation conducts business for individual, business, governmental, and institutional customers, including trust and wealth management services. The structure supports dedicated management for these segments.

Personalized Service Model Across All Regional Bank Divisions

CNB Financial Corporation operates through multiple regional divisions, including ERIEBANK, FCBank, BankOnBuffalo, Ridge View Bank, ESSA Bank (added July 23, 2025), and Impressia Bank. As of late 2025, the combined entity operates 79 full-service offices across Pennsylvania, Ohio, New York, and Virginia, up from 55 full-service offices as of June 30, 2025, reflecting the integration of 20 offices from the ESSA acquisition. The average deposit balance per account remained stable at approximately $34 thousand as of June 30, 2025.

The scale of the customer base and service points as of the third quarter of 2025 is summarized below:

Metric	Value as of Q3 2025 (Sept 30, 2025)	Value as of Q2 2025 (June 30, 2025)
Total Consolidated Assets	Approximately $782,704 (in thousands) or $782.7 billion	Approximately $6.3 billion
Total Deposits	Data not explicitly stated for Q3 2025 total deposits	$5.5 billion
Total Deposits (Post-Acquisition)	$6.9 billion	N/A
Total Offices	79	55
Average Deposit Balance per Account	N/A	Approximately $34 thousand

High-Touch, Advisory-Based Approach for Wealth Management Clients

The focus on wealth and asset management is evident in the revenue generated from these services. Total non-interest income, which includes wealth and asset management fees, was $9.0 million for the three months ended June 30, 2025. The Corporation remains focused on growing its assets under management to achieve more steady fee-based revenue growth. Services offered include Investment Management, Estate Planning, Retirement Planning, and Comprehensive Financial Planning.

Self-Service Options via CNB Now and CNB BizNow Digital Platforms

While specific usage statistics for CNB Now and CNB BizNow are not public, the reliance on digital channels is a sector-wide trend. As of 2025, over 83 percent of U.S. adults use digital banking services, and 72 percent of global banking customers prefer mobile apps for core services. This context frames the importance of CNB Financial Corporation's digital offerings for customer convenience and transaction volume.

Community Engagement Programs to Foster Local Loyalty

Local loyalty is reinforced through community investment, as reflected in employee volunteerism data from the prior year. In 2024, CNB Bank employees logged an impressive 34,741 volunteer hours, supporting 680 organizations. This translates to an average of over 40 hours of community service per employee for that year.

CNB Financial Corporation (CCNE) - Canvas Business Model: Channels

You're looking at how CNB Financial Corporation gets its services to clients as of late 2025. The strategy blends a significant physical presence with digital access, all underpinned by a recent expansion.

The core physical network, following the July 23, 2025 acquisition of ESSA Bancorp, Inc., now supports a consolidated asset base of approximately $8.3 billion for CNB Financial Corporation. This network spans four states: Pennsylvania, Ohio, New York, and Virginia. The total physical footprint is comprised of 79 offices under the CNB Bank charter, which operates under multiple brands including ERIEBANK, FCBank, BankOnBuffalo, Ridge View Bank, and the newly integrated ESSA Bank division.

The physical channel breakdown as of the third quarter of 2025 shows a structure designed for both full-service and specialized functions:

Channel Component	Count as of Q3 2025	States of Operation
Total CNB Bank Offices	79	Pennsylvania, Ohio, New York, Virginia
Full-Service Offices	75	Pennsylvania, Ohio, New York, Virginia
Loan Production Offices (LPOs)	1	Not specified
Mobile Offices (BankOnWheels equivalent)	1	Not specified
Limited Service Offices	2	Not specified

Digital channels provide round-the-clock access for both retail and commercial customers. While specific platform names like CNB Now or CNB BizNow aren't explicitly detailed in the latest filings, the availability of these services is a key component of the delivery strategy. The firm emphasizes digital capabilities alongside its physical locations.

Specialized client segments are served through dedicated channels. The Private Banking division is noted as a driver of loan growth, indicating a focused channel for high-net-worth individuals and institutional customers seeking trust and wealth management services. The total loan portfolio stood at $6.4 billion as of September 30, 2025.

Community outreach and specialized service points supplement the main branch network. The structure explicitly includes:

• 1 Loan Production Office (LPO).
• 1 Mobile office for community outreach.
• Trust and wealth management services offered through CNB Trust & Financial Services.
• The ESSA Bank division, which expanded the footprint into the Lehigh Valley market.

CNB Financial Corporation (CCNE) - Canvas Business Model: Customer Segments

You're looking at the core groups CNB Financial Corporation serves across its footprint, including the markets added via the ESSA Bancorp acquisition in July 2025. The focus remains on a client-centric approach across these distinct segments.

The overall scale of CNB Financial Corporation, post-acquisition, provides the context for these segments. At September 30, 2025, total deposits for CNB Bank were reported at $6.9 billion. Total loans, excluding syndicated balances, reached $6.4 billion. Organic loan growth, compared to September 30, 2024, was 4.93%, or $222.9 million. This growth was seen across the various regional banks and the Private Banking division.

Here's how the primary customer segments are defined and supported:

• Small to medium-sized businesses (SMBs) across the operating footprint.
• High-net-worth individuals utilizing the Private Banking division.
• Individual consumers seeking full-service retail banking.
• Governmental and institutional customers.
• Women business owners and leaders (targeted by Impressia Bank).

The Private Banking division was specifically noted as a driver for loan growth in the quarter ended June 30, 2025, and year-over-year to September 30, 2025. Also, retail account growth, including time deposits, fueled the year-over-year increase in organic deposit balances as of September 30, 2025. Furthermore, municipal deposits contributed to the year-over-year organic deposit increase.

Impressia Bank, the women-focused division launched in 2023, has seen increases in the volume of business deposits since its inception. This division offers specialized services like SBA and grant advisory services, treasury management, wealth management, and private banking support to its target demographic of women business owners and leaders.

For the general retail consumer base, the average deposit balance per account remained stable at approximately $34 thousand as of March 31, 2025. CNB Bank also offers services tailored for U.S. service member and veteran families through its "At Ease" account, which also contributed to deposit additions after its 2023 launch.

The following table summarizes key financial metrics relevant to the scale of operations serving these segments as of late 2025:

Metric	Value as of September 30, 2025	Context/Note
Total Deposits	$6.9 billion	Total CNB Bank deposits.
Total Loans (Excluding Syndicated)	$6.4 billion	Total loans excluding $71.9 million in syndicated loans.
Organic Deposit Growth (Y/Y)	6.14% or $320.3 million	Compared to September 30, 2024.
Adjusted Uninsured Deposits	Approximately $2.1 billion	Approximately 30.02% of total CNB Bank deposits.
Private Banking Division	Loan growth was a driver	Mentioned for Q2 2025 and year-over-year to Sep 30, 2025.
Average Retail Deposit Balance	Approximately $34 thousand	Stable level as of March 31, 2025.

Governmental and institutional customers are served directly by CNB Bank, which engages in a full range of banking activities for them, alongside individual and business customers. The corporation's consolidated assets, after the ESSA acquisition closed on July 23, 2025, added approximately $2.1 billion in total assets, net of purchase accounting adjustments, significantly expanding the scale serving all customer types.

CNB Financial Corporation (CCNE) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive CNB Financial Corporation's operations as of late 2025, especially following the major ESSA Bancorp, Inc. acquisition completed in July 2025. The cost structure is heavily influenced by funding costs and the integration of new personnel and infrastructure.

The primary driver on the expense side remains the Interest Expense paid on deposits, which is the cost of funding the balance sheet. While a specific dollar amount for interest expense isn't immediately available, the cost of funds is reflected in the Net Interest Margin (NIM). For the three months ended September 30, 2025, the Net Interest Margin was reported at 3.69%. This is a key metric to watch as it shows the spread earned over the cost of deposits and borrowings, which are the main interest-bearing liabilities for CNB Financial Corporation, which held consolidated assets of approximately $8.3 billion at that time.

Non-interest expenses saw significant upward pressure, particularly due to the ESSA integration. For the three months ended September 30, 2025, total non-interest expense reached $50.2 million. Excluding the merger and integration costs, total non-interest expense was $46.0 million, which was a $6.7 million increase from the $39.3 million reported for the three months ended June 30, 2025 (when excluding merger costs for that period).

The major components driving these non-interest costs are personnel and physical footprint expansion. Here is a breakdown of the key drivers for the nine months ended September 30, 2025, compared to the same period in 2024:

Cost Component	Increase (9 Months Ended Sept 30, 2025 vs 2024)	Primary Driver Noted
Salaries and Employee Benefits	$1.9 million	Staffing additions associated with the ESSA acquisition
Occupancy and Equipment Expense	$555,000	Expansion and maintenance of infrastructure

The 79-office branch network across Pennsylvania, Ohio, New York, and Virginia directly contributes to the Occupancy and equipment costs. The ESSA acquisition added 20 offices to the network, extending the footprint into Northeastern Pennsylvania, which naturally increases rent and maintenance expenses, as noted by the rise in occupancy expense.

The impact of the ESSA acquisition on profitability was clear in the third quarter. GAAP earnings for the three months ended September 30, 2025, were driven down to $6.0 million, largely due to the associated merger and integration costs that were embedded within the non-interest expense line item for that quarter.

Technology and data processing expenses are a consistent area of cost. You saw cyclical increases in certain technology expenses due to annual contract cost increases in the first quarter of 2025. Furthermore, CNB Financial Corporation incurred additional technology expenses in the twelve months ended December 31, 2024, for implementing franchise-wide business development and customer relationship management applications. The CNB Mobile App, for instance, is powered by Fiserv, indicating ongoing vendor relationships that drive these costs.

• Salaries and benefits increases in Q3 2025 were largely attributable to incentive compensation accruals and retirement plan contribution accruals.
• Occupancy expense increased due to higher rent expense related to additional full-service office locations post-merger.
• Technology costs are tied to usage and licensing increases in applications enhancing online banking and in-branch delivery.
• The ESSA acquisition added $1.5 billion in deposits, which will also influence future interest expense as these funds are integrated.

Finance: draft 13-week cash view by Friday.

CNB Financial Corporation (CCNE) - Canvas Business Model: Revenue Streams

The revenue streams for CNB Financial Corporation are heavily weighted toward traditional banking activities, supplemented by fee-based services following its strategic expansion.

Net Interest Income (NII) remains the core driver of revenue. For the third quarter of 2025, NII was reported as $67.1 million, representing a quarter-over-quarter increase of 29%. This figure is explicitly required to be stated as $67.13 million in Q3 2025 for this analysis.

This NII is generated from the interest earned on the company's assets, which includes a substantial loan portfolio. As of September 30, 2025, total loans for CNB Financial Corporation stood at $6.4 billion, excluding syndicated loans. This portfolio size includes organic growth and the assets acquired from the ESSA Bancorp merger, which added primarily $1.7 billion in loans.

The revenue picture for 2025 is projected based on analyst consensus, with the full-year 2025 consensus revenue estimate set at approximately $280.5 million.

To provide context on the quarterly flow leading up to the end of 2025, here are the reported and estimated revenues:

Period	Actual Revenue (USD)	Estimate Revenue (USD)
2025/Q1	48.691 million	52.343 million
2025/Q2	52.462 million	49.340 million
2025/Q3	77.70 million	68.500 million
2025/Q4 (Estimate)	Not Reported	73.400 million

CNB Financial Corporation also draws revenue from non-interest sources, which includes fees from wealth management and service charges. Total non-interest income for the three months ended September 30, 2025, was $10.6 million. This total was driven by several components:

• Wealth and asset management fees.
• Service charges on deposit accounts.
• Net realized gains on available-for-sale securities.
• Card processing and interchange income.

Specifically, service charges on deposits for the third quarter of 2025 were $1.3 million. Treasury services fees contribute to this non-interest income line as well, supporting the overall fee-based revenue structure.

The revenue streams are clearly segmented by the core banking spread and the ancillary services. The $6.4 billion loan portfolio is the engine for the primary NII stream, while wealth and asset management fees provide diversification within the non-interest income bucket.