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Cnb Bank
Clearfield, PA · FDIC Certificate #13876 · Chartered 01/2
Total assets
$8.41B
Total deposits
$7.18B
Total equity
$926.29M
Net loans
$6.44B
Branches (offices)
81
Net income (YTD)
$57.40M
Rank: #194 of 4,213 U.S. banks by assets · #10 of 109 in Pennsylvania. Assets changed 33.6% and deposits 28.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.36% |
| Return on equity | 12.34% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 11.01% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 81.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.27B | 81.7% | |
| Commercial & industrial | $886.74M | 13.8% | |
| Consumer / individual | $124.43M | 1.9% | |
| Construction & development | $472.93M | 7.3% | |
| Agricultural | $5.40M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.28B | $4.75B | $31.73M | $462.62M |
| Jun 2023 | $5.64B | $5.03B | $31.32M | $536.16M |
| Jun 2024 | $5.87B | $5.21B | $27.30M | $570.65M |
| Jun 2025 | $6.30B | $5.57B | $28.29M | $619.67M |
| Jun 2026 | $8.41B | $7.18B | $57.40M | $926.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $4.86B | 50 |
| New York | $1.05B | 16 |
| Ohio | $969.50M | 12 |
| Virginia | $308.85M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.18B.
Similar-sized banks
Heritage Bank ($8.42B) · Bankplus ($8.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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