Here are the 10-K annual reports from CNB Financial Corp/PA (CCNE) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CCNE and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CCNE filings page.
CNB Financial Corporation is a Pennsylvania-based financial holding company that operates CNB Bank and multiple branded divisions across Pennsylvania, Ohio, New York, and Virginia. It offers full-service banking, wealth management, and insurance, competing with regional and national financial institutions.
On July 23, 2025, CNB completed an all-stock acquisition of ESSA Bancorp for approximately $202.6 million, issuing about 8,359,430 shares at $24.23 per share. ESSA’s 20 offices now operate as ESSA Bank, a division of CNB Bank, extending the branch network into Northeastern Pennsylvania and the Lehigh Valley.
As of December 31, 2025, CNB Bank operated 75 full-service branches plus mobile and drive-up locations, remained "well capitalized," and later became a Federal Reserve member bank on February 12, 2026. The company had 950 employees and emphasizes succession planning, training through its CNB Academy, and multiple inclusion-focused initiatives such as Impressia Bank and targeted programs for veterans and underserved communities.
CNB highlights extensive community involvement, including 32,421 volunteer hours to 1,374 organizations and about $1.4 million in donations in 2025, as well as impact investments in affordable housing and distressed areas. Key risks include economic conditions, interest rate volatility, credit quality, regulatory and compliance demands (including assuming ESSA’s consent order obligations), technology and cybersecurity threats, and concentration in its regional markets.