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Commercial National Financial Corporation (CNAF) delivers community-focused banking services through Pennsylvania-based branches and digital platforms. This page aggregates official news and financial updates from the NASDAQ-listed holding company and its Commercial Bank & Trust of PA subsidiary.
Investors and customers will find timely updates on earnings reports, new financial products, and community development initiatives. Track developments in CNAF's core offerings including CD rates, construction mortgages, and trust services while monitoring strategic responses to economic trends affecting regional banks.
Key updates cover asset quality metrics, digital banking enhancements, and labor relations under the long-standing union agreement. Content is curated to help stakeholders assess CNAF's market position amidst interest rate fluctuations and competitive pressures.
Bookmark this page for structured access to CNAF's financial communications, regulatory filings, and service announcements. Verify time-sensitive details through official SEC filings and bank disclosures when making decisions.
Commercial National Financial Corporation (NASDAQ:CNAF) declared a quarterly cash dividend of $0.11 per share payable on December 5, 2025 to shareholders of record as of November 28, 2025. Direct and beneficial ownership by executive officers and directors totaled 504,607 shares (17.66%) as of October 21, 2025. The company reported 78 employees as of September 30, 2025, with 34 employees represented by United Auto Workers Local 1799; the current labor agreement is effective Feb 15, 2024 and expires Feb 2029.
The company operates seven community banking facilities in western Pennsylvania, an asset management and trust division, an Internet banking site, and a TouchTone Teller system. Forward-looking statements and risk factors were included.
Commercial National Financial (OTC Markets:CNAF) reported third quarter 2025 net income of $446,000 (EPS $0.16), up 37% from $325,000 (EPS $0.11) in Q3 2024. Nine‑month net income was $1.328 million (EPS $0.46) versus $1.205 million (EPS $0.42) year‑ago.
The Company reported a tax‑equivalent net interest margin of 3.65%, core deposits of 84.96% of total deposits, and strong capital ratios: Tier 1 25.29%, total risk‑based 25.68%, leverage 14.26% and CET1 25.29% at September 30, 2025. Total assets were $372.282 million.
Book capital reflected a temporary after‑tax accumulated other comprehensive loss from unrealized market depreciation in the securities available‑for‑sale portfolio. On August 19, 2025 the Company authorized a stock repurchase program for up to 143,048 shares (5%); 4,157 shares were repurchased through October 21, 2025 at an average price of $8.02.
Commercial National Financial Corporation (OTCQX:CNAF) has announced a new stock repurchase program authorizing the buyback of up to 143,048 shares of its common stock, representing 5% of currently outstanding shares.
The holding company for Commercial Bank & Trust of PA plans to conduct the repurchases through open market transactions, including through an SEC Rule 10b5-1 trading plan. The company maintains flexibility in the program, noting that actual repurchases will depend on market conditions and other factors, with the ability to suspend or discontinue the program at any time.
Commercial National Financial Corporation (OTCQX:CNAF) has declared a quarterly dividend of $0.11 per share, payable September 5 to shareholders of record as of August 29, 2025. The company's executive officers and directors own 498,457 shares (17.42%) of the outstanding shares.
The company operates seven community banking facilities across Pennsylvania and employs 77 people, including 33 unionized employees represented by UAW Local 1799. A labor agreement ratified in November 2023 will remain effective until February 2029. The company acknowledges that its unionized status may impact strategic options compared to non-unionized institutions.
Commercial National Financial Corporation (OTC:CNAF) reported strong Q2 2025 earnings with net income of $451,000 ($0.16 per share), marking a 28% increase from $353,000 ($0.12 per share) in Q2 2024. For the first half of 2025, the company earned $882,000 ($0.31 per share), compared to $880,000 ($0.30 per share) in H1 2024.
Key financial metrics include a 3.65% tax-equivalent net interest margin and robust capital ratios, with tier one risk-based capital at 25.41%. The bank maintains strong asset quality and well-diversified core deposits comprising 87.32% of total deposits. Total assets stood at $367.2 million as of June 30, 2025, with net loans of $176 million and total deposits of $300.4 million.
Commercial National Financial (OTCQX:CNAF) has reported its Q1 2025 financial results. The company earned $431,000 ($0.15 per share), down from $527,000 ($0.18 per share) in Q1 2024. The first quarter-end 2025 tax equivalent net interest margin was 3.53%.
Key highlights include:
- 87.42% of total deposits are fully insured well-diversified core deposits
- Strong capital ratios: Tier one risk-based (25.19%), total risk-based (25.57%), leverage (14.15%)
- Tier one capital of $56,933,000 and total risk-based capital of $57,888,000
- Executive officers and directors own 460,757 shares (16.11%)
The company operates seven community banking facilities in Pennsylvania with 78 employees, including 33 unionized workers under a labor agreement extending to February 2029.
Commercial National Financial has announced a quarterly dividend of $0.11 per share, payable March 7, 2025, to shareholders of record as of February 28, 2025. The company's executive officers and directors own 460,757 shares, representing 16.11% of outstanding shares as of December 31, 2024.
The company employs 78 people, with 33 represented by UAW Local 1799. A new labor agreement was ratified in November 2023, effective February 15, 2024, and will expire in February 2029. The company operates seven community banking facilities in Pennsylvania, along with an asset management and trust division, internet banking, and automated TouchTone Teller services.
Commercial National Financial (OTCQX:CNAF) reported fourth quarter 2024 earnings of $636,000 ($0.22 per share), up from $479,000 ($0.17 per share) in Q4 2023. However, full-year 2024 earnings decreased to $1,841,000 ($0.64 per share) from $3,047,000 ($1.07 per share) in 2023.
The company's 2024 performance showed a 0.48% return on average assets and 5.40% return on equity, with a tax-equivalent net interest margin of 3.44%. Capital ratios remained strong, with tier one risk-based at 24.90%, total risk-based at 25.28%, and leverage at 14.01%. Fully insured core deposits comprised 87.36% of total deposits.
The company's securities portfolio was impacted by high market interest rates, though monetary policy easing began in mid-September 2024. Dividend declarations in Q4 2024 became dependent on current earnings expectations due to the full utilization of undistributed earnings from 2022 and 2023.
Commercial National Financial has declared a quarterly dividend of $0.11 per share, payable December 6, 2024, to shareholders of record as of November 29, 2024. The company noted that Federal Reserve Bank monetary policy easing, which would benefit the company, only began in mid-September 2024. The company's undistributed earnings from 2022-2023 were fully utilized in Q3 2024. Executive officers and directors own 16.11% (460,757 shares) of outstanding shares. The company operates seven community banking facilities in Pennsylvania, employs 80 people, with 34 employees represented by UAW Local 1799 under a labor agreement extending to February 2029.
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