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CB Financial Services, Inc. (Nasdaq: CBFV) posts Q2 profit and dividend

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

CB Financial Services, Inc. reported solid second quarter 2026 results. GAAP net income for the quarter was $4,301 thousand (diluted EPS $0.80), with adjusted net income of $4,315 thousand and adjusted diluted EPS of $0.81. For the first six months of 2026, net income was $8,168 thousand. Net interest and dividend income rose to $14,534 thousand, up 15.9% from the prior-year quarter, while the net interest margin was 3.68%, lower than 3.83% in the first quarter but above 3.54% a year earlier.

Total assets reached $1,656,420 thousand and loans were $1,179,721 thousand, supported by growth in commercial and construction real estate lending and strong organic deposit growth. Organic deposits were $1,346,427 thousand, and brokered deposits declined as funding shifted to lower-cost FHLB borrowings. Asset quality remained strong, with nonperforming loans at 0.29% of total loans and an allowance for credit losses of 0.89% of loans, covering 308.5% of nonperforming assets.

The bank’s Tier 1 Leverage ratio stood at 9.94%, and tangible book value per share was $29.99 at June 30, 2026. The board declared a quarterly cash dividend of $0.28 per share, payable on or about August 28, 2026 to shareholders of record on August 14, 2026.

Positive

  • None.

Negative

  • None.
Item 2.02 Results of Operations and Financial Condition Financial
Disclosure of earnings results, typically an earnings press release or preliminary financials.
Item 8.01 Other Events Other
Voluntary disclosure of events the company deems important to shareholders but not covered by other items.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Net income $4,301 thousand Three months ended June 30, 2026
Diluted EPS $0.80 Q2 2026 earnings per common share - diluted
Net interest and dividend income $14,534 thousand Q2 2026, up 15.9% from Q2 2025
Net interest margin 3.68% GAAP NIM for the three months ended June 30, 2026
Total assets $1,656,420 thousand Balance sheet total at June 30, 2026
Nonperforming loans ratio 0.29% Nonperforming loans to total loans at June 30, 2026
Tier 1 Leverage ratio 9.94% Bank-level Tier 1 Leverage at June 30, 2026
Quarterly dividend per share $0.28 Cash dividend payable on or about August 28, 2026
Pre-Provision Net Revenue financial
"Pre-Provision Net Revenue (PPNR) was $5,116 thousand for Q2 2026"
Pre-provision net revenue is a bank’s income from core operations — interest earned minus interest paid plus fees and other operating income, after operating costs — measured before setting aside funds for potential loan losses. Investors use it to gauge how well a bank’s everyday business generates money independent of one-time loss reserves, like judging a store’s sales and operating profit before accounting for an expected number of returned items.
tangible book value per common share financial
"Tangible book value per common share was $29.99 at June 30, 2026"
A per-share measure of the company’s tangible net asset value available to common shareholders after removing intangible items (like goodwill, brand value, and patents) and any preferred shareholder claims. Think of it as the amount each common share would get if the company sold only its physical and financial assets and settled priority claims. Investors use it as a conservative baseline to judge whether a stock is cheaply priced relative to the company’s hard-asset backing.
nonperforming loans financial
"Nonperforming loans to total loans was 0.29% at June 30, 2026"
Nonperforming loans are loans on which borrowers have stopped making the scheduled interest or principal payments for an extended period (commonly 90 days or more) or are otherwise in serious danger of default. Think of them as IOUs that aren’t being repaid: they tie up a lender’s money, reduce future interest income, and force the lender to hold extra reserves or take losses. For investors, a rising share of nonperforming loans signals weakening credit quality, higher potential losses, and greater risk to a bank’s profitability and capital.
brokered deposits financial
"Brokered deposits decreased $64,867 thousand to $33,633 thousand"
Brokered deposits are large sums of customer cash placed at a bank through a third-party intermediary that shops around for the best interest rate, like a broker assembling a big bucket of savings and directing it to a bank. They matter to investors because they can quickly change a bank’s funding level and cost — providing fast liquidity but also adding volatility and regulatory scrutiny that can affect a bank’s stability and profitability.
Tier 1 Leverage ratio financial
"The Bank's Tier 1 Leverage ratio was 9.94% at June 30, 2026"
Tier 1 leverage ratio measures a bank’s core capital — the money that can absorb losses — as a share of its total assets, showing how much of its balance sheet is funded by real loss-absorbing capital rather than borrowed money. Investors use it like a safety gauge: a higher ratio means a bigger cushion against shocks and lower risk of insolvency, similar to how a thicker spare tire reduces the chance of being stranded.
Specialty Treasury Payments & Services financial
"Specialty Treasury Payments & Services program reached full operational capacity"
Net income $4,301 thousand up from $3,949 thousand in Q2 2025
Diluted EPS $0.80 up from $0.74 in Q2 2025
Net interest and dividend income $14,534 thousand up from $12,540 thousand in Q2 2025
Net interest margin 3.68% vs 3.54% in Q2 2025 and 3.83% in Q1 2026
Adjusted net income $4,315 thousand vs $3,949 thousand in Q2 2025

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FAQ

What were CB Financial Services, Inc. (CBFV) Q2 2026 earnings?
CB Financial Services, Inc. reported Q2 2026 net income of $4,301 thousand, or $0.80 diluted EPS. Adjusted net income was $4,315 thousand, with adjusted diluted EPS of $0.81, and year-to-date 2026 net income totaled $8,168 thousand.

How did CBFV’s net interest margin and revenue perform in Q2 2026?
Net interest and dividend income was $14,534 thousand in Q2 2026, up 15.9% from Q2 2025. The net interest margin was 3.68%, down from 3.83% in Q1 2026 but above 3.54% in Q2 2025, reflecting higher cash balances and modestly higher funding costs.

What is the dividend announced by CBFV and when will it be paid?
The board declared a $0.28 per share quarterly cash dividend on CBFV common stock. The dividend will be paid on or about August 28, 2026 to shareholders of record as of the close of business on August 14, 2026.

How strong are CB Financial Services, Inc. (CBFV) asset quality metrics?
Asset quality remains strong, with nonperforming loans at 0.29% of total loans and nonperforming assets at 0.20% of total assets at June 30, 2026. The allowance for credit losses covered 308.5% of nonperforming assets, indicating substantial reserve coverage.

What were CBFV’s capital ratios and tangible book value at June 30, 2026?
At June 30, 2026, the Bank’s Tier 1 Leverage ratio was 9.94%, while Common Equity Tier 1 and Total Risk-Based Capital ratios were 14.22% and 15.18%. Tangible book value per common share was $29.99, up from $29.35 at December 31, 2025.

How did CBFV’s loans and deposits change in Q2 2026?
Total loans reached $1,179,721 thousand, increasing 1.9% from March 31, 2026, led by commercial and construction real estate. Organic deposits rose to $1,346,427 thousand, while brokered deposits declined to $33,633 thousand as the bank emphasized core and Specialty Treasury deposits.
0001605301FALSE100 N. Market StreetCarmichaelsPA724966-504100016053012026-07-272026-07-27

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): July 27, 2026
CB FINANCIAL SERVICES, INC.
(Exact name of registrant as specified in its charter)

Commission file number: 001-36706

Pennsylvania51-0534721
(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)

100 N. Market Street, Carmichaels, PA
15320
(Address of principal executive offices)(Zip Code)

(724) 966-5041
(Registrant’s telephone number, including area code)

Not Applicable
(Former name, former address and former fiscal year, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))


Securities registered pursuant to Section 12(b) of the Act:

Common stock, par value $0.4167 per shareCBFVThe Nasdaq Stock Market, LLC
(Title of each class)(Trading symbol)(Name of each exchange on which registered)


Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).   ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition
period for complying with any new or revised financial accounting standard provided pursuant to Section 13(a) of the
Exchange Act.  ☐



Item 2.02. Results of Operations and Financial Condition.
On July 27, 2026, CB Financial Services, Inc. ("the Company") issued a press release announcing its financial results for the three and six months ended June 30, 2026, a copy of which is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.
Item 8.01. Other Events.
On July 27, 2026, the Company announced that its Board of Directors declared a cash dividend on the Company's outstanding shares of common stock. The dividend of $0.28 per share will be paid on or about August 28, 2026 to stockholders of record as of the close of business on August 14, 2026.
Item 9.01. Financial Statements and Exhibits.
(d)Exhibits
99.1.    Earnings Press Release Dated July 27, 2026
99.2.    Investor Presentation - July 2026
104. Cover Page Interactive Data File (embedded in Inline XBRL)
2

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 CB FINANCIAL SERVICES, INC.
   
   
Date: July 27, 2026
By: /s/ John H. Montgomery
  John H. Montgomery
  President and Chief Executive Officer

3

EXHIBIT 99.1
cbfinancialservices.jpg

CB Financial Services, Inc.
Announces Second Quarter 2026 Financial Results and
Declares Quarterly Cash Dividend

WASHINGTON, PA., July 27, 2026 -- CB Financial Services, Inc. (“CB” or the “Company”) (NASDAQGM: CBFV), the holding company of Community Bank (the “Bank”), today announced its second quarter and year-to-date 2026 financial results.

Three Months EndedSix Months Ended
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
(Dollars in thousands, except per share data) (Unaudited)
Net Income (Loss) (GAAP)
$4,301 $3,867 $4,742 $(5,696)$3,949 $8,168 $5,858 
Net Income Adjustments
14 (13)(943)9,623 — 1 808 
Adjusted Net Income (Non-GAAP) (1)
$4,315 $3,854 $3,799 $3,927 $3,949 $8,169 $6,666 
Earnings (Loss) per Common Share - Diluted (GAAP)$0.80 $0.73 $0.89 $(1.07)$0.74 $1.54 $1.09 
Adjusted Earnings per Common Share - Diluted (Non-GAAP) (1)
$0.81 $0.72 $0.72 $0.74 $0.74 $1.54 $1.24 
Income (Loss) Before Income Tax Expense (GAAP)$5,099 $4,581 $5,270 $(7,020)$4,715 $9,680 $7,051 
Net Provision (Recovery) for Credit Losses17 241 362 259 8 259 (32)
Pre-Provision Net Revenue (“PPNR”)
$5,116 $4,822 $5,632 $(6,761)$4,723 $9,939 $7,019 
Net Income Adjustments18 (16)(765)11,752 — 2 1,023 
Adjusted PPNR (Non-GAAP) (1)
$5,134 $4,806 $4,867 $4,991 $4,723 $9,941 $8,042 
(1)    Refer to Explanation of Use of Non-GAAP Financial Measures and reconciliation of adjusted net income and adjusted earnings per common share - diluted as presented later in this Press Release.
2026 Second Quarter Financial Highlights
•Total assets were $1.66 billion at June 30, 2026, an increase of $73.1 million from March 31, 2026. Strong organic deposit growth augmented cash balances and funded loans and investment security purchases. The Bank continues to focus efforts on managing the balance sheet to maximize earnings while maintaining a stable risk profile. These strategic movements include:
◦Effectively managing cash and liquidity.
◦Redeploying repayments of indirect automobile and residential mortgage loans into higher-yielding commercial loan products. Commercial loans totaled 62.1% of the Bank’s loan portfolio at June 30, 2026 compared to 58.6% at June 30, 2025.
◦The Bank continues to strategically shift its deposit mix toward lower cost core deposit relationships and away from higher priced funding, a favorable transition driven by the ongoing onboarding of Specialty Treasury clients that began during the first quarter of 2026.
•Net interest and dividend income increased for five consecutive quarters to $14.5 million for the three months ended June 30, 2026 compared to $13.9 million for the three months ended March 31, 2026, although net interest margin (NIM) declined after five consecutive quarters of improvement to 3.68% for the three months ended June 30, 2026 compared to 3.83% for the three months ended March 31, 2026. The decline in NIM resulted from a decrease in the yield on earning assets to 5.34% from 5.47%, driven by higher cash balances resulting from deposit growth. At the same time, the cost of funds increased to 1.72% from 1.70% resulting from Specialty Treasury deposit growth of $56.5 million in interest bearing demand and money market deposits.

1
EXHIBIT 99.1

•Noninterest expenses increased $378,000 to $10.4 million for the three months ended June 30, 2026 compared to $10.0 million for the three months ended March 31, 2026. This increase was driven by an increase in data processing due to the implementation of enhanced treasury and commercial banking platforms and an increase in salaries and employee benefits due to higher healthcare benefits.
•Asset quality remains strong as nonperforming loans to total loans was 0.29% at June 30, 2026.
•Book value per share and tangible book value per share (Non-GAAP) was $31.91 and $29.99, respectively at June 30, 2026. The improvements since year-end 2025 resulted from increased equity due to current period net income and stock option exercises, partially offset by the increase in accumulated other comprehensive losses, treasury shares repurchased under the Company’s stock repurchase program and the payment of dividends.
•The Bank remains well-capitalized and is positioned for future growth.
Management Commentary
President and CEO John H. Montgomery commented, “Our team’s disciplined execution and well-grounded strategy came through clearly in our second quarter performance, driving substantive progress towards the Company’s financial goals. Net interest income grew during the quarter, even as net interest margin declined due to elevated cash balances and slightly higher deposit costs. This growth was supported by a $69.5 million increase in organic deposits during the quarter, reflecting the continued strength of our core deposit franchise. Earning asset yields remained resilient, continuing to benefit from the balance sheet restructuring executed in the third quarter last year, which helps insulates the portfolio against rate-related repricing pressure. We remain focused on positioning our balance sheet to protect our financial foundation and support substantial earnings growth over time.
Amid ongoing economic volatility, we continue to prioritize prudent financial discipline, maintain a resilient balance sheet, and consistently adhere to the credit quality standards our shareholders rely on. Total loans increased by $17.5 million, or 1.5%, during the first half of 2026, with increases in commercial real estate and construction loans countering the decreases in consumer and residential real estate loans. Our asset quality continues to be strong, with nonperforming loans representing 0.29% of total loans and the allowance for credit losses covering 308.5% of nonperforming assets at quarter-end. We continue to have strong conviction in the fundamental soundness of our loan portfolio and our capacity to manage risk prudently amid continued expansion.
The second quarter marked a key milestone as our Specialty Treasury Payments & Services program officially reached full operational capacity, a testament to the disciplined execution behind this pillar of our long-term growth strategy. With the platform now fully up and running and the initial customer onboarding behind us, we are already seeing it strengthen our core deposit base and open new avenues for sustainable revenue, with $84.1 million in new deposits since year-end. We remain confident in this program’s ability to enhance the Company’s efficiency, scalability, and earnings power over time. As the bulk of new relationships come fully onto the platform, we are encouraged by the strength of the pipeline and the quality of engagement we are seeing across our customer base.
As part of our broader growth strategy, we are expanding our capabilities in mortgage lending, an effort that deepens customer relationships, diversifies our revenue base, and unlocks cross-selling opportunities across our primary market. Because it’s grounded in our relationship-banking model, this work also reinforces our larger lending and deposit growth goals. Even as we explore new growth opportunities, our dedication to the local customers and communities we serve hasn’t wavered— they remain the cornerstone of our business, and the driving force behind every decision we make.”
Dividend Declaration
The Company’s Board of Directors declared a $0.28 quarterly cash dividend per outstanding share of common stock, payable on or about August 28, 2026, to stockholders of record as of the close of business on August 14, 2026.
2026 Second Quarter Financial Review
Net Interest and Dividend Income
Net interest and dividend income increased $2.0 million, or 15.9%, to $14.5 million for the three months ended June 30, 2026 compared to $12.5 million for the three months ended June 30, 2025.
•Net Interest Margin (NIM) (GAAP) increased to 3.68% for the three months ended June 30, 2026 compared to 3.54% for the three months ended June 30, 2025. Fully tax equivalent (FTE) NIM (Non-GAAP) increased 18 basis points (“bps”) to 3.73% for the three months ended June 30, 2026 compared to 3.55% for the three months ended June 30, 2025.
•Interest and dividend income increased $2.1 million, or 11.4%, to $20.9 million for the three months ended June 30, 2026 compared to $18.8 million for the three months ended June 30, 2025.

2

◦Interest income on loans increased $685,000, or 4.4%, to $16.2 million for the three months ended June 30, 2026 compared to $15.5 million for the three months ended June 30, 2025. The average balance of loans increased $54.6 million to $1.15 billion from $1.10 billion, causing a $768,000 increase in interest income on loans. Partially offsetting this increase, the average yield on loans decreased 3 bps to 5.65% from 5.68% despite a 75 bp reduction in the federal funds target rate since September 2025. While this led to the downward repricing of adjustable rate loans, the impact was mostly negated by a reduction in lower yielding consumer loans due to the discontinuation of the indirect automobile loan product with the redeployment of those funds into higher yielding commercial loan products. The decrease in the average yield caused a $82,000 decrease in interest income on loans.
◦Interest income on investment securities increased $943,000, or 33.0%, to $3.8 million for the three months ended June 30, 2026 compared to $2.9 million for the three months ended June 30, 2025 driven by an 80 bp increase in average yield, coupled with a $41.0 million increase in average balances. The increase in yield was primarily due to the third quarter 2025 implementation of a balance sheet repositioning strategy of the Bank’s portfolio of available-for-sale investment securities in which $129.6 million in book value of lower-yielding investment securities with an average yield of 2.87% were sold for an after-tax realized loss of $9.3 million. Investment securities sold included $121.1 million of mortgage-backed securities and collateralized mortgage obligations issued by the U.S. government-sponsored agencies, $5.0 million of U.S. government agency securities and $3.5 million of municipal securities. The Bank then purchased $117.8 million of higher-yielding mortgage-backed securities/collateralized mortgage obligations issued by U.S government-sponsored agencies, municipal securities, subordinated debt investments and non-agency guaranteed securitizations with an expected tax-equivalent yield of approximately 5.43%. The increase in the average balance resulted from current year purchases.
◦Interest income on interest-earning deposits at other banks increased $514,000 to $845,000 for the three months ended June 30, 2026 compared to $331,000 for the three months ended June 30, 2025 driven by a $66.3 million increase in average balances, partially offset by a 56 bp decrease in the average yield. The increase in the volume was due to deposit growth while the decrease in the yield was related to the Federal Reserve’s reductions in the target federal funds rate.
•Interest expense increased $152,000, or 2.4%, to $6.4 million for the three months ended June 30, 2026 compared to $6.2 million for the three months ended June 30, 2025.
◦Interest expense on deposits increased $219,000, or 3.8%, to $5.9 million for the three months ended June 30, 2026 compared to $5.7 million for the three months ended June 30, 2025. Average interest-bearing deposit balances increased $137.5 million, or 13.7%, to $1.14 billion as of June 30, 2026 compared to $1.01 billion as of June 30, 2025, primarily as the Bank grew core banking relationships and onboarded Specialty Treasury clients. The increase in average balances accounted for a $748,000 increase in interest expense. This was partially offset as the cost of interest-bearing deposits decreased 20 bps to 2.08% for the three months ended June 30, 2026 from 2.28% for the three months ended June 30, 2025 due to the Federal Reserve federal funds target rate decreases since September 2025. The decrease in the cost of interest-bearing deposits accounted for a $529,000 decrease in interest expense.
Provision for Credit Losses
A provision for credit losses of $17,000 was recorded for the three months ended June 30, 2026. The provision for credit losses on loans was $157,000 and was primarily due to loan growth. This was partially offset by a $140,000 reversal of provision for credit losses on unfunded commitments primarily due to a decrease in unfunded commitments. This compared to a provision for credit losses of $8,000 recorded for the three months ended June 30, 2025 as the provision for credit losses on loans was a $136,000 recovery primarily due to a reduction of reserves required for individually assessed loans and changes in loan concentrations, partially offset by additional reserve required for overall loan growth and a change in qualitative factors relating to economic conditions, and the provision for credit losses on unfunded commitments was $144,000 due to an increase in unfunded commitments and an increase in funding rates.
Noninterest Income
Noninterest income increased $41,000, or 4.4%, to $972,000 for the three months ended June 30, 2026, compared to $931,000 for the three months ended June 30, 2025 primarily due to a $23,000 increase in service fees related to corporate deposit and Individual Covered Health Reimbursement Arrangement accounts and a $19,000 increase in net gain on sale of loans.

3

Noninterest Expense
Noninterest expense increased $1.6 million, or 18.8%, to $10.4 million for the three months ended June 30, 2026 compared to $8.7 million for the three months ended June 30, 2025. Salaries and benefits increased $1.0 million primarily due to revenue producing treasury and commercial banking personnel additions, merit increases and higher benefit compensation costs. Data processing expense increased $379,000 due to the implementation of enhanced treasury and commercial banking platforms in late 2025 and early 2026. Pennsylvania shares tax increased $124,000 due to $179,000 of refunds received in 2025 on amended returns filed for prior years. Professional fees increased $81,000 due to the timing of internal audit services and higher legal fees associated with treasury services. Contracted services increased $54,000 due to outsourced information security services.
Statement of Financial Condition Review
Assets
Total assets increased $108.7 million, or 7.0%, to $1.66 billion at June 30, 2026, compared to $1.55 billion at December 31, 2025.
•Cash and due from banks increased $44.4 million, or 140.1%, to $76.1 million at June 30, 2026, compared to $31.7 million at December 31, 2025, driven by deposit growth.
•Securities increased $45.7 million, or 16.3%, to $325.6 million at June 30, 2026, compared to $279.9 million at December 31, 2025. This was primarily due to $84.9 million of security purchases, partially offset by $37.9 million of maturities and principal repayments on amortizing securities and a $1.9 million increase in unrealized losses on the portfolio.
Loans and Credit Quality
•Total loans increased $17.5 million, or 1.5%, to $1.18 billion compared to $1.16 billion, and included increases in commercial real estate and construction loans of $19.6 million and $13.5 million, respectively, partially offset by decreases in consumer and residential real estate loans of $11.8 million and $2.2 million, respectively. The decrease in consumer loans resulted from the continued reduction in indirect automobile loan production since the discontinuation of this product offering as of June 30, 2023. This portfolio is expected to continue to decline as resources are allocated and production efforts are focused on more profitable commercial products. Excluding the $11.1 million decrease in indirect automobile loans, total loans increased $28.5 million, or 2.5%. Loan production totaled $90.8 million while $64.8 million of loans were paid off since December 31, 2025.
•Nonperforming loans, which include nonaccrual loans and accruing loans past due 90 days or more, were $3.4 million at June 30, 2026 and $5.3 million at December 31, 2025. Nonperforming loans to total loans ratio was 0.29% at June 30, 2026 and 0.46% at December 31, 2025. The decrease in nonperforming loans was due to the full repayment of a $2.0 million commercial real estate loan which was placed on nonaccrual status in the fourth quarter of 2025.
•The allowance for credit losses (ACL) was $10.5 million at June 30, 2026 and $10.1 million at December 31, 2025. As a result, the ACL to total loans was 0.89% at June 30, 2026 and 0.87% at December 31, 2025. During the current year, the Company recorded a net provision for credit losses of $259,000. The ACL to nonperforming assets was 308.5% at June 30, 2026 and 190.5% at December 31, 2025.
•Net charge-offs for the three months ended June 30, 2026 were $9,000, compared to net recoveries for the three months ended June 30, 2025 of $39,000, or 0.01% of average loans on an annualized basis. Net charge-offs for the six months ended June 30, 2026 were $50,000, or 0.01% of average loans on an annualized basis, compared to net charge-offs for the six months ended June 30, 2025 of $15,000.
Liabilities
Total liabilities increased $104.2 million, or 7.5%, to $1.49 billion at June 30, 2026 compared to $1.39 billion at December 31, 2025.
Deposits
•Organic deposits increased $105.1 million, or 8.5%, to $1.35 billion as of June 30, 2026 compared to $1.24 billion at December 31, 2025. Interest-bearing demand and money market deposits increased $103.1 million and $11.6 million, respectively, while noninterest deposits and time deposits decreased $5.1 million and $4.1 million, respectively. This growth has occurred as the Bank began onboarding Specialty Treasury clients during the first quarter of 2026. The Bank continues to focus on building core banking relationships while seeking opportunities to strategically reduce higher priced funding.
•Brokered deposits decreased $64.9 million, or 65.9%, to $33.6 million as of June 30, 2026 compared to $98.5 million at December 31, 2025, as the Bank elected to utilize lower cost FHLB borrowings instead. The remaining brokered deposits mature within three months and were utilized primarily to fund the purchase of floating rate CLO securities. At June 30, 2026, FDIC insured deposits totaled approximately 55.1% of total deposits while an additional 19.7% of total deposits were collateralized with investment securities.
4

Borrowed Funds
•Short-term borrowings increased $65.0 million to $65.0 million as of June 30, 2026 as the Bank replaced maturing brokered deposits with lower cost FHLB borrowings.
Stockholders’ Equity
Stockholders’ equity increased $4.6 million, or 2.9%, to $162.1 million at June 30, 2026, compared to $157.5 million at December 31, 2025. The key factors positively impacting stockholders’ equity were $8.2 million of net income for the current year and $551,000 of shares issued as a result of stock option exercises, partially offset by a $1.5 million increase in accumulated other comprehensive loss resulting from market interest rate changes, the payment of $2.8 million in dividends and $306,000 of treasury shares purchased under the stock repurchase program since December 31, 2025.
Book value per share
Book value per common share was $31.91 at June 30, 2026 compared to $31.28 at December 31, 2025, an increase of $0.63.
Tangible book value per common share (Non-GAAP) was $29.99 at June 30, 2026, compared to $29.35 at December 31, 2025, an increase of $0.64.
Refer to “Explanation of Use of Non-GAAP Financial Measures” at the end of this Press Release.
About CB Financial Services, Inc.
CB Financial Services, Inc. is the bank holding company for Community Bank, a Pennsylvania-chartered commercial bank. Community Bank operates its branch network in southwestern Pennsylvania and West Virginia. Community Bank offers a broad array of retail and commercial lending and deposit services.
For more information about CB Financial Services, Inc. and Community Bank, visit our website at www.cb.bank.
Statement About Forward-Looking Statements
Statements contained in this press release that are not historical facts may constitute forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995 and such forward-looking statements are subject to significant risks and uncertainties. The Company intends such forward-looking statements to be covered by the safe harbor provisions contained in the Act. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations and future prospects of the Company and its subsidiaries include, but are not limited to, general and local economic conditions, changes in market interest rates, deposit flows, demand for loans, real estate values and competition, competitive products and pricing, the ability of our customers to make scheduled loan payments, loan delinquency rates and trends, our ability to manage the risks involved in our business, our ability to control costs and expenses, inflation, market and monetary fluctuations, changes in federal and state legislation and regulation applicable to our business, actions by our competitors, and other factors that may be disclosed in the Company’s periodic reports as filed with the Securities and Exchange Commission. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation.

Company Contact:
John H. Montgomery
President and Chief Executive Officer
Phone: (724) 223-8317

5

CB FINANCIAL SERVICES, INC.
SELECTED CONSOLIDATED FINANCIAL INFORMATION
(Dollars in thousands, except share and per share data) (Unaudited)
Selected Financial Condition Data6/30/263/31/2612/31/259/30/256/30/25
Assets
Cash and Due From Banks$76,090 $55,549 $31,693 $55,890 $64,506 
Securities325,554 295,452 279,895 272,559 267,171 
Loans Held for Sale— — — 107 512 
Loans 
Real Estate: 
Residential327,003 330,761 329,237 333,430 329,324 
Commercial571,760 550,029 552,180 539,395 513,197 
Construction58,930 51,394 45,419 38,905 40,680 
Commercial and Industrial160,399 157,694 161,081 143,919 138,221 
Consumer31,108 36,720 42,876 49,581 57,376 
Other30,521 31,239 31,467 38,156 32,026 
Total Loans1,179,721 1,157,837 1,162,260 1,143,386 1,110,824 
Allowance for Credit Losses(10,451)(10,303)(10,116)(10,146)(9,722)
Loans, Net1,169,270 1,147,534 1,152,144 1,133,240 1,101,102 
Premises and Equipment, Net19,069 19,428 19,646 19,896 20,223 
Bank-Owned Life Insurance25,127 24,964 24,812 24,660 24,506 
Goodwill9,732 9,732 9,732 9,732 9,732 
Accrued Interest Receivable and Other Assets31,578 30,633 29,771 29,430 30,232 
Total Assets$1,656,420 $1,583,292 $1,547,693 $1,545,514 $1,517,984 
Liabilities
Deposits
Noninterest-Bearing Demand Accounts$286,623 $301,053 $291,745 $291,882 $278,685 
Interest-Bearing Demand Accounts460,197 384,599 357,134 365,976 353,448 
Money Market Accounts220,812 209,258 209,166 206,166 225,141 
Savings Accounts168,948 172,172 169,307 169,005 172,021 
Time Deposits209,847 209,855 213,953 202,891 201,136 
Total Organic Deposits1,346,427 1,276,937 1,241,305 1,235,920 1,230,431 
Brokered Deposits33,633 98,500 98,500 98,500 79,001 
Total Deposits1,380,060 1,375,437 1,339,805 1,334,420 1,309,432 
Short-Term Borrowings65,000 — — — — 
Other Borrowings34,778 34,768 34,758 34,748 34,738 
Accrued Interest Payable and Other Liabilities14,485 14,336 15,593 23,881 25,452 
Total Liabilities1,494,323 1,424,541 1,390,156 1,393,049 1,369,622 
Stockholders’ Equity162,097 158,751 157,537 152,465 148,362 
Total Liabilities and Stockholders’ Equity$1,656,420 $1,583,292 $1,547,693 $1,545,514 $1,517,984 
6

(Dollars in thousands, except share and per share data) (Unaudited)
 Three Months EndedSix Months Ended
Selected Operating Data6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
Interest and Dividend Income:
Loans, Including Fees$16,177 $15,957 $16,077 $15,973 $15,492 $32,134 $30,020 
Securities:
Taxable3,351 2,999 3,035 2,848 2,860 6,351 5,637 
Tax-Exempt452 416 415 146 — 868 — 
Dividends7 7 7 7 9 14 37 
Other Interest and Dividend Income919 272 458 367 399 1,192 912 
Total Interest and Dividend Income20,906 19,651 19,992 19,341 18,760 40,559 36,606 
Interest Expense:
Deposits5,940 5,232 5,802 5,810 5,721 11,172 11,833 
Short-Term Borrowings70 188 — 68 108 258 131 
Other Borrowings362 359 364 364 391 721 792 
Total Interest Expense6,372 5,779 6,166 6,242 6,220 12,151 12,756 
Net Interest and Dividend Income14,534 13,872 13,826 13,099 12,540 28,408 23,850 
Provision (Recovery) for Credit Losses - Loans157 228 265 336 (136)385 (68)
(Recovery) Provision for Credit Losses - Unfunded Commitments(140)13 97 (77)144 (126)36 
Net Interest and Dividend Income After Net Provision (Recovery) for Credit Losses14,517 13,631 13,464 12,840 12,532 28,149 23,882 
Noninterest Income:
Service Fees582 554 585 574 559 1,136 1,021 
Insurance Commissions1 1 1 1 1 2 2 
Other Commissions74 75 60 63 66 150 129 
Net Gain on Sale of Loans45 11 6 50 26 56 49 
Net (Loss) Gain on Securities(18)8 14 (11,752)— (10)(69)
Net Gain on Purchased Tax Credits10 10 4 4 4 21 7 
Net Gain on Disposal of Premises and Equipment— — 40 — — — — 
Income from Bank-Owned Life Insurance163 152 152 154 148 315 297 
Other Income115 151 867 229 127 266 282 
Total Noninterest Income (Loss) 972 962 1,729 (10,677)931 1,936 1,718 
Noninterest Expense:
Salaries and Employee Benefits6,120 5,997 5,842 5,247 5,088 12,117 11,124 
Occupancy615 656 573 574 616 1,271 1,366 
Equipment364 349 382 367 372 713 702 
Data Processing1,140 942 790 708 761 2,081 1,558 
Federal Deposit Insurance Corporation Assessment176 173 171 173 203 349 379 
Pennsylvania Shares Tax267 286 242 306 143 554 400 
Contracted Services436 405 481 371 382 841 692 
Legal and Professional Fees198 221 234 411 117 420 378 
Advertising115 142 192 132 124 258 242 
Other Real Estate Owned
— — 55 8 1 — 2 
Other Expense959 841 961 886 941 1,801 1,706 
Total Noninterest Expense10,390 10,012 9,923 9,183 8,748 20,405 18,549 
Income (Loss) Before Income Tax Expense5,099 4,581 5,270 (7,020)4,715 9,680 7,051 
Income Tax Expense (Benefit)798 714 528 (1,324)766 1,512 1,193 
Net Income (Loss)$4,301 $3,867 $4,742 $(5,696)$3,949 $8,168 $5,858 
7

Three Months EndedSix Months Ended
Per Common Share Data6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
Dividends Per Common Share$0.28 $0.28 $0.26 $0.26 $0.25 $0.56 $0.50 
Earnings (Loss) Per Common Share - Basic0.85 0.77 0.95 (1.14)0.79 1.61 1.15 
Earnings (Loss) Per Common Share - Diluted0.80 0.73 0.89 (1.07)0.74 1.54 1.09 
Weighted Average Common Shares Outstanding - Basic5,073,474 5,053,586 5,015,025 4,985,188 5,022,813 5,063,585 5,073,911 
Weighted Average Common Shares Outstanding - Diluted5,353,959 5,318,874 5,304,685 5,319,594 5,332,026 5,319,645 5,387,924 
6/30/263/31/2612/31/259/30/256/30/25
Common Shares Outstanding5,080,438 5,072,183 5,036,509 4,998,383 4,972,300 
Book Value Per Common Share$31.91 $31.30 $31.28 $30.50 $29.84 
Tangible Book Value per Common Share (1)
29.99 29.38 29.35 28.56 27.88 
Stockholders’ Equity to Assets9.8 %10.0 %10.2 %9.9 %9.8 %
Tangible Common Equity to Tangible Assets (1)
9.3 9.5 9.6 9.3 9.2 
Three Months EndedSix Months Ended
Selected Financial Ratios (2)
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
Return on Average Assets1.04 %1.01 %1.22 %(1.50)%1.06 %1.02 %0.80 %
Return on Average Equity10.77 9.84 12.14 (15.15)10.76 10.31 8.01 
Average Interest-Earning Assets to Average Interest-Bearing Liabilities133.48 133.68 134.05 134.42 135.33 133.58 135.02 
Average Equity to Average Assets9.64 10.24 10.02 9.93 9.88 9.93 9.97 
Net Interest Rate Spread3.14 3.29 3.18 3.05 2.91 3.22 2.76 
Net Interest Rate Spread (FTE) (1)
3.18 3.34 3.23 3.08 2.93 3.27 2.78 
Net Interest Margin3.68 3.83 3.76 3.64 3.54 3.75 3.40 
Net Interest Margin (FTE) (1)
3.73 3.88 3.80 3.67 3.55 3.80 3.42 
Net Charge-Offs (Recoveries) to Average Loans
— 0.01 0.10 (0.03)(0.01)0.01 — 
Efficiency Ratio67.01 67.49 63.79 379.15 64.94 67.25 72.55 
Asset Quality Ratios6/30/263/31/2612/31/259/30/256/30/25
Allowance for Credit Losses to Total Loans0.89 %0.89 %0.87 %0.89 %0.88 %
Allowance for Credit Losses to Nonperforming Loans (3)
308.47 309.49 190.51 464.99 550.20 
Delinquent and Nonaccrual Loans to Total Loans (4)
0.69 0.54 0.86 0.59 0.49 
Nonperforming Loans to Total Loans (3)
0.29 0.29 0.46 0.19 0.16 
Nonperforming Assets to Total Assets (5)
0.20 0.21 0.34 0.15 0.13 
Capital Ratios (6)
6/30/263/31/2612/31/259/30/256/30/25
Common Equity Tier 1 Capital (to Risk Weighted Assets)14.22 %14.70 %13.92 %14.19 %15.28 %
Tier 1 Capital (to Risk Weighted Assets)14.22 14.70 13.92 14.19 15.28 
Total Capital (to Risk Weighted Assets)15.18 15.71 14.89 15.20 16.29 
Tier 1 Leverage (to Adjusted Total Assets)9.94 10.34 10.15 10.06 10.49 
(1)    Refer to Explanation of Use of Non-GAAP Financial Measures in this Press Release for the calculation of the measure and reconciliation to the most comparable GAAP measure.
(2)    Interim period ratios are calculated on an annualized basis.
(3)    Nonperforming loans consist of all nonaccrual loans and accruing loans that are 90 days or more past due.
(4)    Delinquent loans consist of accruing loans that are 30 days or more past due.
(5)    Nonperforming assets consist of nonperforming loans and other real estate owned.
(6)    Capital ratios are for Community Bank only.
Certain items previously reported may have been reclassified to conform with the current reporting period’s format. 
8

AVERAGE BALANCES AND YIELDS
 Three Months Ended
 June 30, 2026March 31, 2026December 31, 2025September 30, 2025June 30, 2025
Average BalanceInterest and Dividends
Yield / Cost (1)
Average BalanceInterest and Dividends
Yield / Cost (1)
Average BalanceInterest and Dividends
Yield / Cost (1)
Average BalanceInterest and Dividends
Yield / Cost (1)
Average BalanceInterest and Dividends
Yield / Cost (1)
(Dollars in thousands) (Unaudited)
Assets:
Interest-Earning Assets:
Loans, Net (2)
$1,153,305 $16,235 5.65 %$1,151,941 $16,023 5.64 %$1,138,734 $16,145 5.62 %$1,120,036 $16,034 5.68 %$1,098,698 $15,549 5.68 %
Debt Securities
Taxable287,012 3,351 4.67 249,917 2,999 4.80 241,449 3,035 5.03 259,196 2,848 4.40 284,499 2,860 4.02 
Tax-Exempt38,526 572 5.94 35,218 527 5.99 35,243 525 5.96 12,461 185 5.94 — — — 
Equity Securities1,000 7 2.80 1,000 7 2.80 1,000 7 2.80 1,000 7 2.80 1,000 9 3.60 
Interest-Earning Deposits at Banks99,855 845 3.38 27,236 200 2.94 41,222 384 3.73 29,682 293 3.95 33,564 331 3.94 
Other Interest-Earning Assets3,278 74 9.05 3,874 72 7.54 2,998 74 9.79 3,972 74 7.39 3,767 68 7.24 
Total Interest-Earning Assets1,582,976 21,084 5.34 1,469,186 19,828 5.47 1,460,646 20,170 5.48 1,426,347 19,441 5.41 1,421,528 18,817 5.31 
Noninterest-Earning Assets78,718 87,352 85,605 75,480 67,513 
Total Assets$1,661,694 $1,556,538 $1,546,251 $1,501,827 $1,489,041 
Liabilities and Stockholders' Equity:
Interest-Bearing Liabilities:
Interest-Bearing Demand Accounts $458,395 $2,328 2.04 %$365,729 $1,642 1.82 %$367,382 $1,850 2.00 %$350,232 $1,835 2.08 %$334,752 $1,677 2.01 %
Money Market Accounts221,065 1,200 2.18 209,181 1,104 2.14 212,212 1,232 2.30 211,660 1,401 2.63 238,195 1,747 2.94 
Savings Accounts170,276 51 0.12 169,568 40 0.10 168,853 45 0.11 171,188 43 0.10 174,055 42 0.10 
Time Deposits210,258 1,566 2.99 213,645 1,604 3.04 207,895 1,653 3.15 201,651 1,587 3.12 209,516 1,710 3.27 
Total Organic Interest-Bearing Deposits1,059,994 5,145 1.95 958,123 4,390 1.86 956,342 4,780 1.98 934,731 4,866 2.07 956,518 5,176 2.17 
Brokered Deposits84,053 795 3.79 87,136 842 3.92 98,500 1,022 4.12 85,995 944 4.36 49,990 545 4.37 
Total Interest-Bearing Deposits1,144,047 5,940 2.08 1,045,259 5,232 2.03 1,054,842 5,802 2.18 1,020,726 5,810 2.26 1,006,508 5,721 2.28 
Short-Term Borrowings7,089 70 3.96 18,990 188 4.01 16 — 4.71 5,655 68 4.77 9,143 108 4.74 
Other Borrowings34,774 362 4.18 34,764 359 4.19 34,754 364 4.16 34,743 364 4.16 34,733 391 4.52 
Total Interest-Bearing Liabilities1,185,910 6,372 2.16 1,099,013 5,779 2.13 1,089,612 6,166 2.25 1,061,124 6,242 2.33 1,050,384 6,220 2.38 
Noninterest-Bearing Demand Deposits301,859 283,546 285,269 271,462 270,729 
Total Funding and Cost of Funds
1,487,769 1.72 1,382,559 1.70 1,374,881 1.78 1,332,586 1.86 1,321,113 1.89 
Other Liabilities13,686 14,564 16,367 20,120 20,789 
Total Liabilities1,501,455 1,397,123 1,391,248 1,352,706 1,341,902 
Stockholders' Equity160,239 159,415 155,003 149,121 147,139 
Total Liabilities and Stockholders' Equity$1,661,694 $1,556,538 $1,546,251 $1,501,827 $1,489,041 
Net Interest Income (FTE)
(Non-GAAP) (3)
$14,712 $14,049 $14,004 $13,199 $12,597 
Net Interest-Earning Assets (4)
397,066 370,173 371,034 365,223 371,144 
Net Interest Rate Spread (FTE)
(Non-GAAP) (3) (5)
3.18 %3.34 %3.23 %3.08 %2.93 %
Net Interest Margin (FTE)
(Non-GAAP) (3)(6)
3.73 3.88 3.80 3.67 3.55 
(1)    Annualized based on three months ended results.
(2)    Net of the allowance for credit losses and includes nonaccrual loans with a zero yield and Loans Held for Sale if applicable.
(3)    Refer to Explanation and Use of Non-GAAP Financial Measures in this Press Release for the calculation of the measure and reconciliation to the most comparable GAAP measure.
(4)    Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(5)    Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(6)    Net interest margin represents annualized net interest income divided by average total interest-earning assets.
9

AVERAGE BALANCES AND YIELDS
Six Months Ended
June 30, 2026June 30, 2025
Average BalanceInterest and DividendsYield /CostAverage BalanceInterest and DividendsYield / Cost
(Dollars in thousands) (Unaudited)
Assets:
Interest-Earning Assets:
Loans, Net (1)
$1,152,627 $32,259 5.64 %$1,086,955 $30,132 5.59 %
Debt Securities
Taxable268,567 6,351 4.73 281,447 5,637 4.01 
Exempt From Federal Tax36,881 1,099 5.96 — — — 
Marketable Equity Securities1,000 14 2.80 1,832 37 4.04 
Interest-Earning Deposits at Banks63,746 1,046 3.28 39,278 789 4.02 
Other Interest-Earning Assets3,574 146 8.24 3,484 123 7.12 
Total Interest-Earning Assets1,526,395 40,915 5.41 1,412,996 36,718 5.24 
Noninterest-Earning Assets83,011 65,758 
Total Assets$1,609,406 $1,478,754 
Liabilities and Stockholders' Equity:
Interest-Bearing Liabilities:
Interest-Bearing Demand Accounts$412,318 $3,970 1.94 %$326,322 $3,203 1.98 %
Savings Accounts169,924 91 0.11 173,193 83 0.10 
Money Market Accounts215,155 2,304 2.16 234,436 3,473 2.99 
Time Deposits 211,942 3,171 3.02 228,651 4,127 3.64 
Total Organic Interest-Bearing Deposits 1,009,339 9,536 1.91 962,602 10,886 2.28 
Brokered Deposits85,586 1,636 3.85 43,578 947 4.38 
Total Interest-Bearing Deposits1,094,925 11,172 2.06 1,006,180 11,833 2.37 
Short-Term Borrowings13,008 258 4.00 5,584 131 4.73 
Other Borrowings34,769 721 4.18 34,728 792 4.60 
Total Interest-Bearing Liabilities1,142,702 12,151 2.14 1,046,492 12,756 2.46 
Noninterest-Bearing Demand Deposits292,753 268,140 
Total Funding and Cost of Funds
1,435,455 1.71 1,314,632 1.96 
Other Liabilities14,121 16,673 
Total Liabilities1,449,576 1,331,305 
Stockholders' Equity159,830 147,449 
Total Liabilities and Stockholders' Equity$1,609,406 $1,478,754 
Net Interest Income (FTE) (Non-GAAP) (2)
28,764 23,962 
Net Interest-Earning Assets (3)
383,693 366,504 
Net Interest Rate Spread (FTE) (Non-GAAP) (2)(4)
3.27 %2.78 %
Net Interest Margin (FTE) (Non-GAAP) (2)(5)
3.80 3.42 
(1)    Annualized based on six months ended results.
(2)    Net of the allowance for credit losses and includes nonaccrual loans with a zero yield and Loans Held for Sale if applicable.
(3)    Refer to Explanation and Use of Non-GAAP Financial Measures in this Press Release for the calculation of the measure and reconciliation to the most comparable GAAP measure.
(4)    Net interest-earning assets represent total interest-earning assets less total interest-bearing liabilities.
(5)    Net interest rate spread represents the difference between the weighted average yield on interest-earning assets and the weighted average cost of interest-bearing liabilities.
(6)    Net interest margin represents annualized net interest income divided by average total interest-earning assets.


10

Explanation of Use of Non-GAAP Financial Measures
In addition to financial measures presented in accordance with generally accepted accounting principles (“GAAP”), we use, and this Press Release contains or references, certain Non-GAAP financial measures. We believe these Non-GAAP financial measures provide useful information in understanding our underlying results of operations or financial position and our business and performance trends as they facilitate comparisons with the performance of other companies in the financial services industry. Non-GAAP adjusted items impacting the Company's financial performance are identified to assist investors in providing a complete understanding of factors and trends affecting the Company’s business and in analyzing the Company’s operating results on the same basis as that applied by management. Although we believe that these Non-GAAP financial measures enhance the understanding of our business and performance, they should not be considered an alternative to GAAP or considered to be more important than financial results determined in accordance with GAAP, nor are they necessarily comparable with similar Non-GAAP measures which may be presented by other companies. Where Non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found herein.

6/30/263/31/2612/31/259/30/256/30/25
(Dollars in thousands, except share and per share data) (Unaudited)
Total Assets (GAAP)
$1,656,420 $1,583,292 $1,547,693 $1,545,514 $1,517,984 
Goodwill and Intangible Assets, Net(9,732)(9,732)(9,732)(9,732)(9,732)
Tangible Assets (Non-GAAP) (Numerator)$1,646,688 $1,573,560 $1,537,961 $1,535,782 $1,508,252 
Stockholders' Equity (GAAP)$162,097 $158,751 $157,537 $152,465 $148,362 
Goodwill and Intangible Assets, Net(9,732)(9,732)(9,732)(9,732)(9,732)
Tangible Common Equity or Tangible Book Value (Non-GAAP) (Denominator)$152,365 $149,019 $147,805 $142,733 $138,630 
Stockholders’ Equity to Assets (GAAP)9.8 %10.0 %10.2 %9.9 %9.8 %
Tangible Common Equity to Tangible Assets (Non-GAAP)9.3 %9.5 %9.6 %9.3 %9.2 %
Common Shares Outstanding (Denominator)5,080,438 5,072,183 5,036,509 4,998,383 4,972,300 
Book Value per Common Share (GAAP)$31.91 $31.30 $31.28 $30.50 $29.84 
Tangible Book Value per Common Share (Non-GAAP)$29.99 $29.38 $29.35 $28.56 $27.88 

Three Months EndedSix Months Ended
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
(Dollars in thousands) (Unaudited)
Net Income (Loss) (GAAP)$4,301 $3,867 $4,742 $(5,696)$3,949 $8,168 $5,858 
Annualization Factor4.01 4.06 3.97 3.97 4.01 2.02 2.02 
Average Stockholders' Equity (GAAP)$160,239 $159,415 $155,003 $149,121 $147,139 $159,830 $147,449 
Average Goodwill and Intangible Assets, Net(9,732)(9,732)(9,732)(9,732)(9,732)(9,732)(9,732)
Average Tangible Common Equity (Non-GAAP) (Denominator)$150,507 $149,683 $145,271 $139,389 $137,407 $150,098 $137,717 
Return on Average Equity (GAAP)10.77 %9.84 %12.14 %(15.15)%10.76 %10.31 %8.01 %
Return on Average Tangible Common Equity (Non-GAAP)11.46 %10.48 %12.95 %(16.21)%11.53 %10.97 %8.58 %
11

Three Months EndedSix Months Ended
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
(Dollars in thousands) (Unaudited)
Interest Income (GAAP)$20,906 $19,651 $19,992 $19,341 $18,760 $40,559 $36,606 
Adjustment to FTE Basis178 177 178 100 57 356 112 
Interest Income (FTE) (Non-GAAP)21,084 19,828 20,170 19,441 18,817 40,915 36,718 
Interest Expense (GAAP)6,372 5,779 6,166 6,242 6,220 12,151 12,756 
Net Interest Income (FTE) (Non-GAAP)$14,712 $14,049 $14,004 $13,199 $12,597 $28,764 $23,962 
Net Interest Rate Spread (GAAP)3.14 %3.29 %3.18 %3.05 %2.91 %3.22 %2.76 %
Adjustment to FTE Basis0.04 0.05 0.05 0.03 0.02 0.05 0.02 
Net Interest Rate Spread (FTE) (Non-GAAP)3.18 %3.34 %3.23 %3.08 %2.93 %3.27 %2.78 %
Net Interest Margin (GAAP)3.68 %3.83 %3.76 %3.64 %3.54 %3.75 %3.40 %
Adjustment to FTE Basis0.05 0.05 0.04 0.03 0.01 0.05 0.02 
Net Interest Margin (FTE) (Non-GAAP)3.73 %3.88 %3.80 %3.67 %3.55 %3.80 %3.42 %

Three Months EndedSix Months Ended
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
(Dollars in thousands) (Unaudited)
Income (Loss) Before Income Tax Expense (GAAP)$5,099 $4,581 $5,270 $(7,020)$4,715 $9,680 $7,051 
Net Provision (Recovery) for Credit Losses17 241 362 259 8 259 (32)
PPNR (Non-GAAP)
5,116 4,822 5,632 (6,761)4,723 9,939 7,019 
Adjustments
Net (Gain) Loss on Securities18 (8)(14)11,752 — 10 69 
Net Gain on Disposal of Premises and Equipment— — (40)— — — — 
Earn-out Payment Related to the Sale of EU— (8)(711)— — (8)(49)
Reduction in Force Expenses— — — — 1,003 
Adjusted PPNR (Non-GAAP) (Numerator)$5,134 $4,806 $4,867 $4,991 $4,723 $9,941 $8,042 
Annualization Factor4.01 4.06 3.97 3.97 4.01 2.02 2.02 
Average Assets (Denominator)$1,661,694 $1,556,538 $1,546,251 $1,501,827 $1,489,041 $1,609,406 $1,478,754 
Adjusted PPNR Return on Average Assets (Non-GAAP)1.24 %1.25 %1.25 %1.32 %1.27 %1.25 %1.10 %
12

Three Months EndedSix Months Ended
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
(Dollars in thousands, except share and per share data) (Unaudited)
Net Income (Loss) (GAAP)
$4,301 $3,867 $4,742 $(5,696)$3,949 $8,168 $5,858 
Adjustments
Net (Gain) Loss on Securities18 (8)(14)11,752 — 10 69 
Net Gain on Disposal of Premises and Equipment— — (40)— — — — 
Earn-out Payment Related to the Sale of EU— (8)(711)— — (8)(49)
Reduction in Force Expenses— — — — 1,003 
Tax effect(4)3 (178)(2,129)— (1)(215)
Adjusted Net Income (Non-GAAP)$4,315 $3,854 $3,799 $3,927 $3,949 $8,169 $6,666 
Weighted-Average Diluted Common Shares and Common Stock Equivalents Outstanding5,353,959 5,318,874 5,304,685 5,319,594 5,332,026 5,319,645 5,387,924 
Earnings (Loss) per Common Share - Diluted (GAAP)$0.80 $0.73 $0.89 $(1.07)$0.74 $1.54 $1.09 
Adjusted Earnings per Common Share - Diluted (Non-GAAP)$0.81 $0.72 $0.72 $0.74 $0.74 $1.54 $1.24 
Net Income (Loss) (GAAP) (Numerator)$4,301 $3,867 $4,742 $(5,696)$3,949 $8,168 $5,858 
Annualization Factor4.01 4.06 3.97 3.97 4.01 2.02 2.02 
Average Assets (Denominator)1,661,694 1,556,538 1,546,251 1,501,827 1,489,041 1,609,406 1,478,754 
Return on Average Assets (GAAP)1.04 %1.01 %1.22 %(1.50)%1.06 %1.02 %0.80 %
Adjusted Net Income (Non-GAAP) (Numerator)$4,315 $3,854 $3,799 $3,927 $3,949 $8,169 $6,666 
Annualization Factor4.01 4.06 3.97 3.97 4.01 2.02 2.02 
Average Assets (Denominator)1,661,694 1,556,538 1,546,251 1,501,827 1,489,041 1,609,406 1,478,754 
Adjusted Return on Average Assets (Non-GAAP)1.04 %1.00 %0.97 %1.04 %1.06 %1.02 %0.91 %
Three Months EndedSix Months Ended
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
(Dollars in thousands) (Unaudited)
Net Income (Loss) (GAAP) (Numerator)
$4,301 $3,867 $4,742 $(5,696)$3,949 $8,168 $5,858 
Annualization Factor4.01 4.06 3.97 3.97 4.01 2.02 2.02 
Average Equity (GAAP) (Denominator)160,239 159,415 155,003 149,121 147,139 159,830 147,449 
Return on Average Equity (GAAP)10.77 %9.84 %12.14 %(15.15)%10.76 %10.31 %8.01 %
Adjusted Net Income (Non-GAAP) (Numerator)$4,315 $3,854 $3,799 $3,927 $3,949 $8,169 $6,666 
Annualization Factor4.01 4.06 3.97 3.97 4.01 2.02 2.02 
Average Equity (GAAP) (Denominator)160,239 159,415 155,003 149,121 147,139 159,830 147,449 
Adjusted Return on Average Equity (Non-GAAP)10.80 %9.80 %9.72 %10.45 %10.76 %10.31 %9.12 %
13


Three Months EndedSix Months Ended
6/30/263/31/2612/31/259/30/256/30/256/30/266/30/25
(Dollars in thousands) (Unaudited)
Noninterest Expense (GAAP) (Numerator)$10,390 $10,012 $9,923 $9,183 $8,748 $20,405 $18,549 
Net Interest and Dividend Income (GAAP)$14,534 $13,872 $13,826 $13,099 $12,540 $28,408 $23,850 
Noninterest Income (Loss) (GAAP)972 962 1,729 (10,677)931 1,936 1,718 
Operating Revenue (GAAP) (Denominator)$15,506 $14,834 $15,555 $2,422 $13,471 $30,344 $25,568 
Efficiency Ratio (GAAP)67.01 %67.49 %63.79 %379.15 %64.94 %67.25 %72.55 %
Noninterest Expense (GAAP)$10,390 $10,012 $9,923 $9,183 $8,748 $20,405 $18,549 
Adjustments:
Reduction in Force Expenses— — — — — — (1,003)
Adjusted Noninterest Expense (Non-GAAP) (Numerator)$10,390 $10,012 $9,923 $9,183 $8,748 $20,405 $17,546 
Net Interest and Dividend Income (GAAP)$14,534 $13,872 $13,826 $13,099 $12,540 $28,408 $23,850 
Noninterest Income (Loss) (GAAP)972 962 1,729 (10,677)931 1,936 1,718 
Adjustments:
Net (Gain) Loss on Securities18 (8)(14)11,752 — 10 69 
Net Gain on Disposal of Premises and Equipment— — (40)— — — — 
Earn-out Payment Related to the Sale of EU— (8)(711)— — (8)(49)
Adjusted Noninterest Income (Non-GAAP)$990 $946 $964 $1,075 $931 $1,938 $1,738 
Adjusted Operating Revenue (Non-GAAP) (Denominator)$15,524 $14,818 $14,790 $14,174 $13,471 $30,346 $25,588 
Adjusted Efficiency Ratio (Non-GAAP)66.93 %67.56 %67.09 %64.79 %64.94 %67.24 %68.57 %
14

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 2 Forward-Looking Statements and Non-GAAP Financial Measures Statements contained in this investor presentation that are not historical facts may constitute forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995 and such forward-looking statements are subject to significant risks and uncertainties. The Company intends such forward-looking statements to be covered by the safe harbor provisions contained in the Act. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain.  Factors which could have a material adverse effect on the operations and future prospects of the Company and its subsidiaries include, but are not limited to, general and local economic conditions, changes in market interest rates, deposit flows, demand for loans, real estate values and competition, competitive products and pricing, the ability of our clients to make scheduled loan payments, loan delinquency rates and trends, our ability to manage the risks involved in our business, our ability to control costs and expenses, inflation, market and monetary fluctuations, changes in federal and state legislation and regulation applicable to our business, actions by our competitors, and other factors that may be disclosed in the Company’s periodic reports as filed with the Securities and Exchange Commission. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation. Explanation of Use of Non-GAAP Financial Measures In addition to financial measures presented in accordance with generally accepted accounting principles (“GAAP”), we use, and this investor presentation may contain or reference, certain non-GAAP financial measures. We believe these non-GAAP financial measures provide useful information in understanding our underlying results of operations or financial position and our business and performance trends as they facilitate comparisons with the performance of other companies in the financial services industry. Non-GAAP adjusted items impacting the Company's financial performance are identified to assist investors in providing a complete understanding of factors and trends affecting the Company’s business and in analyzing the Company’s operating results on the same basis as that applied by management. Although we believe that these non-GAAP financial measures enhance the understanding of our business and performance, they should not be considered an alternative to GAAP or considered to be more important than financial results determined in accordance with GAAP, nor are they necessarily comparable with similar non-GAAP measures which may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found within the referenced earnings release.

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 3 CB Financial Services, Inc. - Corporate Overview • Holding Company for Community Bank (Carmichaels, PA), serving the community since 1901 • Community Bank operates 12 full-service branch offices and two loan production offices, all in southwestern Pennsylvania and northern West Virginia • NASDAQ: CBFV Market Data CBFV Share Price $35.77 Shares Outstanding 5.1M Market Cap $181.4M Avg. 3 Mo. Daily Trading Volume 5,987 shares Insider Ownership 9.12% Institutional Ownership 44.01% Dividend Yield 3.13% Total Stockholders' Equity $162.1M Book Value per Common Share $31.91 Tangible Book Value per Common Share (1) $29.99 Price to Book Value 1.12x Price to Tangible Book Value (1) 1.19x ◦ All daily trading information/multiples as of July 23, 2026 ◦ All other financial information as of June 30, 2026 Washington Waynesburg Moundsville Canonsburg Uniontown Branches/ITM LPO Operations (1) Non GAAP financial measure.

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 4 Community Bank partners with individuals, businesses and communities to realize their dreams, protect their financial futures and improve their lives. Take Care of Each Other Always Do the Right Thing Be a Great Teammate Work Hard to Achieve Our Goals Give and Expect Mutual Respect Enjoy Life Everyday Be Positive Have a Sense of Urgency Client Experience First Our Mission Statement Our Core Values Our Cornerstone About Us

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 5 Creating Value for our Shareholders and Stakeholders • Sustainable Earnings Growth ▪ Improve core earnings by investing in talent and technology, implementing and rewarding a disciplined sales culture, innovating new products, providing best in class delivery, improving efficiency and developing digital delivery. • People, Culture & Innovation ▪ Ensure our organization culture, practices, values and structure enable us to attract, train and retain top talent. ▪ Embed innovation at our core to improve capacity, to scale and respond to changing market and industry conditions. • Client Experience ▪ Prioritize the Client Experience. Make it simple and easy. • Automate and Optimize Processes ▪ Optimize process and delivery channels through technology, including AI, to enhance our Client Experience, lower costs, mitigate risk and improve profitability. • Improve Efficiency ▪ Establish a board-approved enterprise risk management framework to drive high quality earnings within established risk tolerances. Strategic Initiatives

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 6 Strategic Focus Treasury Management & Commercial Banking Strategy Strategic Focus Objectives Results CB's footprint contains highly concentrated markets and there is opportunity to gain market share in Commercial Banking and Treasury Services. Build and develop a Treasury Management (TM) and Specialized Deposit Division that provides a first class client experience. Under the leadership of Jim Mele, a seasoned veteran with an established record of success, the Bank has built a TM and Specialized Deposit Division which includes specialized and experienced sales, operations and risk associates dedicated to these clients. Targeted investments related to technology and systems to develop new products and processes, with a focus on ensuring a positive client experience. Leverage existing core system strengths and enhance with new TM products and processes with an exceptional client experience as the primary goal. Technology has been upgraded and risk controls have been enhanced. Technology upgrades include online banking, ACH platforms and escrow management programs, with enhanced capabilities for treasury and commercial clients. Treasury Services are the least commoditized deposits and servicing these accounts will generate growth in lower cost deposits and noninterest income. Enhance liquidity position with sticky, granular cost-effective deposits while also adding net fee income. The onboarding of treasury clients started in 1Q26 and deposit growth of $84.1 million has been achieved YTD. Strong ongoing growth is expected. Combined with the expansion of the Bank's Commercial Banking team, this two pronged strategy enhances the ability to increase net interest margin and net income. Be opportunistic in retaining talented Commercial Bankers to gain market share. The Bank is continuing to evaluate and hire additional Commercial Banking talent. Expenses related to these strategies are expected to be offset with additional cost savings and incremental revenue.

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 7 2026 Macro Outlook Item Comment Monetary Policy Federal Reserve rate change expectations have shifted from continued rate cuts to a probability of a rate increase later in 2026 in an effort to return inflation to target levels and maintain maximum employment. Rate changes impact product pricing and demand. Interest rate and liquidity management are primary components to managing impact. Inflation/Demand Inflation is pushing higher and expectations have become volatile. If inflationary pressures escalate, a potential economic slowdown may temper loan demand. Cost- control and pricing strategies are critical to remain competitive. Regulatory Environment Evolving regulations may impact operations and increase compliance costs. Risk management (cybersecurity and data privacy in particular) is on the forefront with continued shift to digital channels. Market Dynamics Competitive pressures, market conditions, stablecoin and deposit tokenization and AI- powered technology will require agile and innovative strategies to remain relevant while prioritizing client experience to build loyalty and differentiation. CB needs to remain vigilant and adaptable to navigate the uncertainties and complexities of the macroeconomic landscape in 2026 and beyond.

 

Q2 2026 Financial Highlights

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 9 Q2 2026 Highlights (Unaudited) Earnings (for the three months ended June 30, 2026 unless otherwise noted) • Core earnings. Core net income (non-GAAP) was $4.3 million, with diluted core earnings per share of $0.81. Core pre-provision net revenue (PPNR) (non-GAAP) was $5.1 million. • Margin. Net interest income was $14.5 million, an increase of 4.8% from Q1 2026. Net interest margin was 3.68%, down 15 bps from Q1 2026 as the yield on interest-earning assets decreased 13 bps and the cost of funds increased 2 bps. • Positive core returns. Adjusted return on average equity (non-GAAP) was 10.80% for Q2 2026, compared to 10.76% for Q2 2025. Balance Sheet & Asset Quality (as of June 30, 2026 unless otherwise noted) • Steady loan portfolio. Total loans ($1.18 billion) increased 1.9% from March 31, 2026 due to increases in commercial and construction real estate loans, partially offset by a decrease in indirect auto loans (discontinued product in Q2 2023). Excluding indirect auto, the portfolio grew 2.5% during the quarter. • Strong deposit growth. Organic deposits ($1.35 billion) increased 5.4% from March 31, 2026. Deposit growth for the quarter included $69.5 million of core (non-time) deposits primarily from growth in the Bank's new Specialty Treasury division. • High concentration of core deposits. Core deposits were 82% of total deposits at June 30, 2026. • Limited wholesale funding. Borrowings to total assets was 6.0% and brokered deposits to total assets was 2.0% at June 30, 2026. • Strong credit quality. Nonperforming loans to total loans was 0.29% and nonperforming assets to total assets was 0.20% as of June 30, 2026. Liquidity and Capital Strength (as of June 30, 2026 unless otherwise noted) • Significant available liquidity. Cash on deposit was $76.1 million and available borrowing capacity was $572.4 million. Available liquidity covers 234% of uninsured/non-collateralized deposits. • Low-risk deposit base. Insured/collateralized deposits account for 74.8% of total deposits. • Well-capitalized. The Bank's Tier 1 Leverage ratio was 9.94% at June 30, 2026, compared to 10.15% at December 31, 2025. • Increasing shareholder value. TBV per common share (non-GAAP) was $29.99 at June 30, 2026, compared to $29.35 at December 31, 2025. • Stock Repurchase Plan (SRP). Announced $5.0 million SRP in Q3 2025. Attractive way to return capital to shareholders.

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 10 Financial Highlights Change ($000s except per share) Q2 2026 Q1 2026 Q2 2025 Balance Sheet     Total Net Loans (Net of Allowance) $ 1,169,270 $ 21,736 $ 68,168 Total Organic Deposits 1,346,427 69,490 105,122 Total Brokered Deposits 33,633 (64,867) (64,867)       Income Statement     Net Interest Income 14,534 662 1,994 Net Provision (Recovery) for Credit Losses 17 (224) 9 Adjusted Noninterest Income(2) 990 44 59 Gain on Sale of Securities (18) (26) (18) Noninterest Expense 10,390 378 1,642 Income Tax Expense 798 84 32 Adjusted Net Income 4,315 461 366 Performance Ratios Adjusted Earnings Per Share, Diluted(2) $ 0.81 $ 0.09 $ 0.07 Net Interest Margin(1) 3.68 % (0.15) % 0.14 % Adjusted ROAA(1)(2) 1.04 % 0.04 % (0.02) % Adjusted ROAE(1)(2) 10.80 % 1.00 % 0.04 % NCOs/Average Loans(1) — % (0.01) % 0.02 % Tangible Book Value per Share(2) $ 29.99 $ 0.61 $ 2.11 Tangible Equity Ratio (TCE / TA)(2) 9.25 % (0.22) % 0.06 % Capital Ratios (Bank Only) Tier 1 Leverage 9.94 % (0.40) % (0.55) % Common Equity Tier 1 Capital 14.22 % (0.48) % (1.06) % Tier 1 Capital 14.22 % (0.48) % (1.06) % Total Risk-Based Capital 15.18 % (0.54) % (1.12) % Q2 2026 Results Overview (Unaudited) (1) Annualized (2) Non-GAAP Calculation in Press Release (3) Comparisons are to Q1 2026 unless otherwise noted Quarterly Highlights(3) Balance Sheet: • Loans increased $21.7 million as a result of increases in commercial and construction real estate loans, partially offset by a decrease in consumer loans due to the discontinued indirect auto product offering. • Organic deposits increased $69.5 million due growth in Specialty Treasury deposits. • Brokered deposits decreased $64.9 million as the funding was replaced with short-term borrowings. • Tangible book value per share (non-GAAP) was $29.99. Earnings and Capital: • Core net income (non-GAAP) was $4.3 million, while core PPNR (non-GAAP) was $5.1 million for Q2. • Net interest margin(1) was down 15 bps to 3.68% due to a decrease in yield on interest earning assets and an increase in cost of funds. • Noninterest expense increased 3.8% due to higher salaries and benefits and data processing costs primarily related to treasury personnel and products. • The Bank's Tier 1 Leverage ratio was 9.94%.

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 11 Financial Trends - Balance Sheet (Unaudited) Total Net LoansTotal Assets Total Deposits Total Stockholders' Equity in m ill io ns $1,518 $1,546 $1,548 $1,583 $1,656 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $1,300 $1,400 $1,500 $1,600 $1,700 in m ill io ns $1,101 $1,133 $1,152 $1,148 $1,169 Net Loans Yield on Loans 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $1,000 $1,025 $1,050 $1,075 $1,100 $1,125 $1,150 $1,175 $1,200 5.30% 5.40% 5.50% 5.60% 5.70% 5.80% 5.90% 6.00% in m ill io ns $1,309 $1,334 $1,340 $1,375 $1,380 Organic Deposits Brokered Deposits Cost of Interest Bearing Deposits 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 2.00% 2.10% 2.20% 2.30% in m ill io ns $148 $152 $158 $159 $162 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $130 $140 $150 $160 $170

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 12 Financial Trends - Reported Earnings and Profitability (Unaudited) Net Income (Loss) / PPNR (non-GAAP) Earnings (Loss) Per Share (EPS) - Diluted in th ou sa nd s $3,949 $(5,696) $4,742 $3,867 $4,301$4,723 $(6,761) $5,632 $4,822 $5,116 Net Income PPNR Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 $(8,000) $(6,000) $(4,000) $(2,000) $— $2,000 $4,000 $6,000 $0.74 $(1.07) $0.89 $0.73 $0.80 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 $(1.50) $(1.00) $(0.50) $— $0.50 $1.00 Annualized Return on Average Equity (ROAE) 10.76% (15.15)% 12.14% 9.84% 10.77% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 (16.00)% (8.00)% —% 8.00% 16.00% Annualized Return on Average Assets (ROAA) 1.06% (1.50)% 1.22% 1.01% 1.04% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 (2.00)% (1.50)% (1.00)% (0.50)% —% 0.50% 1.00% 1.50%

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 13 Financial Trends - Core Earnings and Profitability (1) (Unaudited) Core Net Income / Core PPNR (non-GAAP) Core EPS - Diluted (non-GAAP) in th ou sa nd s $3,949 $3,927 $3,799 $3,854 $4,315 $4,723 $4,991 $4,867 $4,806 $5,134Core Net Income Core PPNR Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 $1,000 $2,000 $3,000 $4,000 $5,000 $0.74 $0.74 $0.72 $0.72 $0.81 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 $— $0.25 $0.50 $0.75 $1.00 Core Annualized ROAE (non-GAAP) 10.76% 10.45% 9.72% 9.80% 10.80% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 —% 3.00% 6.00% 9.00% 12.00% Core Annualized ROAA (non-GAAP) 1.06% 1.04% 0.97% 1.00% 1.04% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 —% 0.25% 0.50% 0.75% 1.00% 1.25% (1) Non-GAAP Calculation in Press Release

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 14 Financial Trends - Earnings and Profitability (Unaudited) Total Revenue (non-GAAP) Highlights - Revenue Core Efficiency Ratio (non-GAAP)(1) in th ou sa nd s $12,540 $13,099 $13,826 $13,872 $14,534 $931 $1,075 $964 $946 $990 Net Interest Income Noninterest Income (adj.) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 $7,500 $9,000 $10,500 $12,000 $13,500 $15,000 64.9% 64.8% 67.1% 67.6% 66.9% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 50.0% 55.0% 60.0% 65.0% 70.0% 75.0%Net Interest Margin (NIM) (non-GAAP) (1) 5.31% 5.41% 5.48% 5.47% 5.34% 3.55% 3.67% 3.80% 3.88% 3.73% 1.89% 1.86% 1.78% 1.70% 1.72% Yield on Earning Assets Net Interest Margin (FTE) Cost of Funds Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 —% 2.00% 4.00% 6.00% Noninterest Income (adj.) (non-GAAP): • All periods exclude gains/losses on securities. • Q4 2025 - excludes a $711,000 earn-out payment from the sale of EU and a $40,000 gain on the sale of bank assets. • Q1 2026 - excludes an $8,000 earn-out payment from the sale of EU. (1) Non-GAAP Calculation in Press Release $12,540 $13,099 $13,826 $13,872 $14,534$931 $(10,677) $1,729 $962 $972 Net Interest Income Noninterest Income Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 $(20,000) $(10,000) $— $10,000 $20,000

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 15 Monthly Earnings Trends (Unaudited) 3.62% 3.80% 5.35% 5.41% 2.33% 2.16% Net Interest Margin (FTE) Yield on Earning Assets Cost of Funds 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 2.00% 3.00% 4.00% 5.00% 6.00% Net Interest Margin (NIM) (Non-GAAP) 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 $1,000 $1,250 $1,500 $1,750 $2,000 Pre-Tax Pre-Provision Income (Core) (Non-GAAP) 1.09% 1.01% 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 0.60% 0.80% 1.00% 1.20% 1.40% Core Annualized ROAA (Non-GAAP) 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 $3,500 $3,750 $4,000 $4,250 $4,500 $4,750 $5,000 $5,250 Net Interest Income (FTE) (Non-GAAP)

 

Deposit Composition / Characteristics

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 17 Deposit Mix and Cost (Unaudited) 21.3% 34.2%16.4% 12.5% 15.6% Non-Interest Bearing Demand Interest Bearing Demand Money Market Accounts Savings Accounts Time Deposits Deposit Mix Average Cost of Interest-Bearing Deposits 2.17% 2.07% 1.98% 1.86% 1.95% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 —% 0.50% 1.00% 1.50% 2.00% 2.50% Deposit Composition (in millions) 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 NIB Demand $ 278.7 $ 291.9 $ 291.7 $ 301.1 $ 286.6 IB Demand 353.4 366.0 357.1 384.6 460.2 Money Market 225.1 206.2 209.2 209.3 220.8 Savings Accounts 172.0 169.0 169.3 172.2 168.9 Time Deposits 201.1 202.9 214.0 209.9 209.8 Organic Deposits 1,230.4 1,235.9 1,241.3 1,276.9 1,346.4 Brokered Deposits 79.0 98.5 98.5 98.5 33.6 Total Deposits $ 1,309.4 $ 1,334.4 $ 1,339.8 $ 1,375.4 $ 1,380.1 Highlights • Organic Deposits increased $105.1 million, or 8.5%, from December 31, 2025 due to Specialty Treasury deposit growth. • Brokered deposits were utilized primarily to fund the purchase of floating rate CLO securities and mature within three months. Brokered deposits decreased as FHLB short-term borrowings were alternatively used due to favorable pricing. • Average cost of interest-bearing deposits was 2.08% for Q2 2026, compared to 2.03% for Q1 2026 and 2.28% for Q2 2025. 2.01% 2.08% 2.00% 1.82% 2.04% 2.94% 2.63% 2.30% 2.14% 2.18% 0.10% 0.10% 0.11% 0.10% 0.12% 3.27% 3.12% 3.15% 3.04% 2.99% 4.37% 4.36% 4.12% 3.92% 3.79% Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 —% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% Noninterest- Bearing Interest- Bearing Money Market Accounts Savings Accounts Time Deposits $— $100,000 $200,000 $300,000 $400,000 $500,000 21.3% 21.9% 21.8% 21.9% 20.8% 27.0% 27.4% 26.7% 28.0% 33.3% 17.2% 15.5% 15.6% 15.2% 16.0% 13.1% 12.7% 12.6% 12.5% 12.2% 15.4% 15.1% 15.9% 15.2% 15.3% 6.0% 7.4% 7.4% 7.2% 2.4% Noninterest-Bearing Interest-Bearing Money Market Accounts Savings Accounts Organic Time Deposits Brokered Deposits 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 18 —% cost / $174.4 million 0.30% cost / $130.5 million 1.11% cost / $85.0 million 0.11% cost / $162.2 million 2.93% cost / $186.3 million 3.04% cost / $22.7 million Deposit Composition (unaudited) Retail Deposits as of June 30, 2026 $761.0 million 1.01% WAC 35,221 accounts —% cost / $96.2 million 2.32% cost / $152.3 million 2.16% cost / $65.0 million 0.50% cost / $6.0 million 2.13% cost / $1.3 million 3.22% cost / $165.5 million Commercial Deposits as of June 30, 2026 $486.4 million 2.12% WAC 4,569 accounts —% cost / $10.9 million 3.06% cost / $60.7 million 3.63% cost / $14.5 million 3.54% cost / $13.0 million Specialty Deposits as of June 30, 2026 $99.1 million 2.87% WAC 46 accounts —% cost / $168.7 million 0.28% cost / $129.9 million 1.27% cost / $88.9 million 0.08% cost / $163.3 million 3.13% cost / $188.1 million 3.04% cost / $20.6 million Retail Deposits as of December 31, 2025 $759.5 million 1.07% WAC 35,798 accounts —% cost / $116.8 million 2.28% cost / $118.2 million2.29% cost / $57.8 million 0.61% cost / $5.5 million 2.73% cost / $1.9 million 3.33% cost / $166.6 million Commercial Deposits as of December 31, 2025 $466.8 million 2.07% WAC 4,448 accounts 3.75% cost / $1.5 million 3.69% cost / $13.6 million —% 3.75% —% —% 3.69% —% Specialty Deposits as of December 31, 2025 $15.0 million 3.70% WAC 43 accounts Reconciliation to Balance Sheet June 30 2026 March 31 2026 December 31 2025 QTD Change YTD Change Amount Percent Amount Percent dollars in thousands Retail $ 760,982 $ 767,815 $ 759,455 $ (6,833) (0.9) % $ 1,527 0.2 % Commercial 486,353 466,483 466,832 19,870 4.3 19,521 4.2 Specialty Treasury 99,092 42,639 15,018 56,453 132.4 84,074 559.8 Organic Deposits 1,346,427 1,276,937 1,241,305 69,490 5.4 105,122 8.5 Brokered Deposits 33,633 98,500 98,500 (64,867) (65.9) (64,867) (65.9) Total Deposits $ 1,380,060 $ 1,375,437 $ 1,339,805 $ 4,623 0.3 % $ 40,255 3.0 %

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 19 Secure Deposit Base (Unaudited) • In total, 74.8% of client deposits (non- brokered) are FDIC insured or collateralized with investment securities as of June 30, 2026, compared to 75.2% as of December 31, 2025. • Uninsured client deposits consist of business & retail deposits of 16.1% and 9.0% of total deposits, respectively. • At June 30, 2026, client deposits consisted of 52.2% retail, 28.8% business, and 19.0% public funds. • CB is focused on providing opportunities for uninsured depositors to move funds to alternate products, providing benefit to both clients and the Bank. FDIC Insured, 55.1% Collateralized, 19.7% Uninsured, 25.2% Source: Company information as of 6/30/2026 As of 6/30/2026 Highlights

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 20 Strong Liquidity Position (Unaudited) $1,987 0.8% $40,926 16.9% $66,064 27.3%$109,133 45.2% $22,677 9.4% $899 0.4% Government Agency Municipal MBS's CMO's Corporate Debt Marketable Equity Cash $76.1 million Investments $145.1 million Fed Capacity $62.7 million FHLB Capacity $454.6 million Other Capacity $55.0 million Available Liquidity of $793.5 million Highlights Source: Company information as of 6/30/2026 • Cash & Cash Equivalents totaled $76.1 million, or 4.6% of total assets. • Investment Securities totaled $325.6 million, with $180.5 million utilized as collateral for public fund deposits. All securities are classified as available- for-sale and marked to market. • Total borrowings totaled $99.8 million, or 6.0% of total assets and included $20.0 million in long- term FHLB borrowings, $65.0 million in short- term FHLB borrowings and $14.8 million in subordinated debt. • The Bank has $572.4 million in available borrowing capacity (FED, FHLB, Other). • Available liquidity covers 234% of uninsured/ non-collateralized deposits.

 

Loan Portfolio Composition

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 22 Loan Portfolio Composition (Unaudited) Commercial & Industrial 13.6% Real Estate- Construction 5.0% Real Estate- Commercial 48.5% Real Estate- Residential 27.7% Consumer 2.6% Other 2.6% As of 6/30/2026 Loan Portfolio Detail dollars in millions 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 QoQ Change YoY Change Real Estate - Residential $ 329.3 $ 333.4 $ 329.2 $ 330.8 $ 327.0 (1.1) % (0.7) % Real Estate - Commercial 513.2 539.4 552.2 550.0 571.8 4.0 11.4 Real Estate - Construction 40.7 38.9 45.4 51.4 58.9 14.6 44.7 Commercial & Industrial 138.2 143.9 161.1 157.7 160.4 1.7 16.1 Consumer 57.4 49.6 42.9 36.7 31.1 (15.3) (45.8) Other 32.0 38.2 31.5 31.2 30.5 (2.2) (4.7) Total Loans $ 1,110.8 $ 1,143.4 $ 1,162.3 $ 1,157.8 $ 1,179.7 1.9 % 6.2 % Highlights • Loans increased $17.5 million, or 1.5%, from December 31, 2025 due primarily from growth in commercial and construction real estate loans, partially offset by a decrease in indirect auto loans. Excluding the indirect loans, loans increased $28.5 million, or 2.5%, from December 31, 2025. • Loan production for Q2 2026 totaled $58.7 million while loans paid off totaled $32.7 million. • CB continues to focus on disciplined pricing and credit quality standards. • CB remains committed to hiring and retaining experienced commercial bankers.

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 23 Commercial Loan Portfolio Detail (Unaudited) 24.7% 18.1% 17.3% 12.1% 6.0% 4.5% 2.6% 1.7% 1.6% 11.4% Retail Space Multifamily Warehouse Space Office Space Manufacturing Medical Hotels Oil & Gas Senior Housing Other C&I and CRE Loans by Industry Highlights Commercial Real Estate Loan Portfolio Details Total O/S Balance CRE Owner Occupied CRE Non-Owner Occupied dollars in thousands O/S Balance Percent Avg Loan Size Avg LTV O/S Balance Percent Avg Loan Size Avg LTV Retail Space $ 141,431 $ 32,530 5.67 % $ 775 63.42 % $ 108,901 18.97 % $ 1,472 60.45 % Multifamily 103,347 — — — — 103,347 18.01 1,033 60.67 Warehouse Space 98,743 17,958 3.13 718 42.42 80,785 14.08 2,126 55.17 Office Space 69,013 9,286 1.62 489 72.43 59,727 10.41 1,219 60.01 Manufacturing 34,338 3,302 0.58 330 57.20 31,036 5.41 2,821 45.94 Medical 25,870 8,285 1.44 753 73.18 17,585 3.06 1,172 54.47 Hotels 15,231 — — — — 15,231 2.65 1,904 61.76 Oil & Gas 9,737 5,108 0.89 638 66.86 4,629 0.81 1,543 57.09 Senior Housing 8,972 5,788 1.01 1,930 18.66 3,184 0.55 3,184 40.78 Other 65,078 41,628 7.25 534 56.49 23,450 4.46 838 63.14 Total $ 571,760 $ 123,885 21.59 % $ 632 57.26 % $ 447,875 78.41 % $ 1,370 58.26 % • CRE loans represent 48.5% of the total loan portfolio. • Limited exposure to office space. • 21.6% of CRE loans are owner occupied. • Non-Owner Occupied CRE loans have an average LTV of 58.3% based on appraised values at the time of origination, whereas Owner Occupied CRE's LTV is 57.3%. • Average Non-Owner Occupied CRE loan size is approximately $1.4 million, and Owner Occupied is approximately $632,000. • No loans are currently in deferral. • CRE loans are concentrated in the Pittsburgh metropolitan area.Source: Company information as of 6/30/2026

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 24 Consumer Loan Portfolio Detail (Unaudited) 91.3% 5.8% 2.9% 1-4 Family Indirect Auto Other Consumer 30.4% 16.4%20.4% 20.7% 9.8% 2.3% < 50% 50% - 59% 60% - 69% 70% - 79% 80% - 89% > 90% 42.3% 36.6% 14.7% 5.7% 0.7% > 800 740-799 700-739 661-699 < 660 Consumer Lending Portfolio - $358.1M Residential Real Estate Loan to Values (LTV's) - $327.0MIndirect Auto Portfolio by Max FICO Score- $20.8M Highlights • Residential loans represent 27.5% of total loans. • 67.1% of residential loans have an LTV of less than 70%, based on appraised values at the time of origination. • Indirect auto loans represent 1.7% of total loans. • 78.9% of indirect auto loans are to borrowers with FICO scores greater than 740, at the time of underwriting. • The indirect auto lending program was discontinued in Q2 2023 to prioritize more profitable commercial lending products. Source: Company information as of 6/30/2026 Source: Company information as of 6/30/2026 Source: Company information as of 6/30/2026

 

Asset Quality, Capital Ratios and IRR

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 26 Asset Quality Trends (Unaudited) Net Charge-Offs (Recoveries) / Average Loans Allowance for Credit Losses / Total LoansNonperforming Assets / Total Assets in th ou sa nd s $1,925 $2,340 $5,310 $3,329 $3,388 Nonperforming Assets NPA's / Assets 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $— $2,000 $4,000 $6,000 —% 0.16% 0.32% 0.48% Allowance for Credit Losses / Nonperforming Assets Nonperforming Loans to Total Loans $1,767 $2,182 $5,310 $3,329 $3,388 Nonperforming Loans (000's) Nonperforming/Total Loans 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $— $2,000 $4,000 $6,000 0.15% 0.20% 0.25% in th ou sa nd s $(39) $(88) $295 $41 $9 Net Charge Offs (Recoveries) NCO's (Recoveries)/ Avg Loans Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 $(150) $(100) $(50) $— $50 $100 $150 $200 $250 $300 $350 (0.08)% (0.05)% (0.03)% —% 0.03% 0.05% 0.08% 0.10% 0.13% 0.15% 0.18% in th ou sa nd s $9,722 $10,146 $10,116 $10,303 $10,451 Loan Loss Reserve ($000's) ALLL/ Total Loans 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $— $4,000 $8,000 $12,000 0.86% 0.88% 0.90% in th ou sa nd s $1,925 $2,340 $5,310 $3,329 $3,388 Nonperforming Assets ALLL / Nonperforming Assets 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 $— $2,000 $4,000 $6,000 —% 200.00% 400.00% 600.00%

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 27 Capital Ratios (Bank Only) (Unaudited) Common Equity Tier 1 Capital (to Risk Weighted Assets) Tier 1 Capital to Risk Weighted Assets 15.28% 14.19% 13.92% 14.70% 14.22% Common Equity Tier 1 Capital Adequately Capitalized Well Capitalized 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 4.00% 6.00% 8.00% 10.00% 12.00% 14.00% 16.00% 15.28% 14.19% 13.92% 14.70% 14.22% Tier 1 Capital Adequately Capitalized Well Capitalized 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 6.00% 8.00% 10.00% 12.00% 14.00% 16.00% Tier 1 Leverage (to Adjusted Total Assets) 10.49% 10.06% 10.15% 10.34% 9.94% Tier 1 Leverage Adequately Capitalized Well Capitalized 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 4.00% 6.00% 8.00% 10.00% 12.00% Total Capital (to Risk Weighted Assets) 16.29% 15.20% 14.89% 15.71% 15.18% Total Capital Adequately Capitalized Well Capitalized 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 8.00% 10.00% 12.00% 14.00% 16.00% 18.00%

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 28 Change in Rates (bp) (in th ou sa nd s) $(754) $(842) $(339) $— $149 $194 $113 -300 -200 -100 0 +100 +200 +300 $(1,000) $(750) $(500) $(250) $— $250 Change in Rates (bp) (in th ou sa nd s) $15,711 $13,831 $8,786 $— $(11,356) $(24,670) $(39,697) -300 -200 -100 0 +100 +200 +300 $(60,000) $(40,000) $(20,000) $— $20,000 Change in Net Interest Income (as of 06/30/2026) Change in Economic Value of Equity (as of 06/30/2026) Interest Rate Risk (Unaudited) Interest Rate Risk Details (as of 06/30/2026) EVE EVE as a Percent of Portfolio Value of Assets Net Interest Earnings at Risk Change in Interest Rates in Basis Points Dollar Amount Dollar Change Percent Change NPV Ratio Basis Point Change Dollar Amount Dollar Change Percent Change (Dollars in thousands) +300 $ 237,246 $ (39,697) (14.3) % 15.66 % (139) $ 59,900 $ 113 0.2 % +200 252,273 (24,670) (8.9) 16.26 (79) 59,981 194 0.3 +100 265,587 (11,356) (4.1) 16.73 (32) 59,936 149 0.2 Flat 276,943 — — 17.05 — 59,787 — — -100 285,729 8,786 3.2 17.22 17 59,448 (339) (0.6) -200 290,774 13,831 5.0 17.17 12 58,945 (842) (1.4) -300 292,654 15,711 5.7 16.95 (10) 59,033 (754) (1.3)

 

Conclusions

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 30 Market Presence with Brand Recognition Seasoned Executive Leadership Deploying Technology to Enhance Client Experience Investment Summary Serving Stable Southwestern PA & Ohio River Valley markets Proven experience through all economic cycles Continuing to invest with a tech- forward and people-centric approach Investing for Growth Adding new talent, tech upgrades and investing in process improvement Rewarding Shareholders Increased quarterly dividend 8% to $0.28 per share in Q1 2026

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 31 Delivering Value to Shareholders Our goal is to continue operating as a high-performing, independent community bank, generating positive returns and adding significant value for our shareholders. ◦ Committed to Improving Financial Performance ▪ Revenue Growth ▪ Consistent returns ◦ Dividend and Capital Reinvestment ▪ Regular and reliable dividend payouts ▪ Attractive dividend yield ▪ Capital reinvestment to produce higher returns ◦ Investing in Products and Strategies for Future Growth ▪ Specialty Treasury Payments & Services ▪ Commercial Banking ▪ Mortgage Banking ◦ Creating Franchise Value ◦ Supporting Local Communities (building value beyond financial returns)

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 32 ◦ Community bank model is highly-differentiated compared with large regional banks ◦ Intense focus on sales and service culture and quality product offerings which builds full relationships with our clients ◦ Utilize technology investments to enhance speed of process while improving client experience ◦ Enhance profitability and efficiency potential while continuing to invest for future growth ◦ Continue our track record of opportunistic growth in the robust Pittsburgh Metropolitan area and across our footprint ◦ Defend and grow our relatively low-cost deposit base which enables the bank to protect net interest margin ◦ Leverage our credit culture and strong loan underwriting as a foundation to uphold our asset quality metrics Be the Community Bank of choice across our footprint Concluding Thoughts

 

CB Financial Services, Inc. (Nasdaq: CBFV) July 2026 Page 33 Company Contact John H. Montgomery President and Chief Executive Officer Phone: (724) 223-8317 Investor Relations The IR Group Diane Fitzgibbons, President Phone: (206) 388-5789 Email: dianef@theIRgroup.com Bank Main Office: 100 N. Market Street Carmichaels, PA 15320 Corporate Center: 2111 North Franklin Drive, Suite 200 Washington, PA 15301 Contact Information

 

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