---
schema_version: "secwatch.filing_event.v1"
accession: "0000736772-23-000068"
form_type: "8-K"
ticker: "CCNE"
cik: "0000736772"
company_name: "CNB FINANCIAL CORP/PA"
filed_at: "2023-10-23T23:59:59+00:00"
generated_at: "2026-06-09T17:35:59.099806+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CNB Financial Q3 EPS $0.60, down from $0.90 YoY; NIM shrinks 7 bps

## Summary
- Net income of $12.7M ($0.60 diluted EPS) vs. $12.8M ($0.61) prior quarter and $15.5M ($0.90) a year ago.
- Total deposits grew 1.4% QoQ to $5.0B; adjusted uninsured deposits 18.4% of total deposits.
- Nonperforming assets rose to 0.51% of assets from 0.43% QoQ, driven by a $6.9M commercial real estate relationship.
- Loans (ex-syndicated & PPP) increased 1.2% QoQ to $4.4B; syndicated lending declined $22.5M.
- Pre-provision net revenue (PPNR) fell to $18.2M from $19.6M prior quarter due to lower NIM and higher salaries.

## SEC filing metadata
- accession: 0000736772-23-000068
- form_type: 8-K
- ticker: CCNE
- cik: 0000736772
- company_name: CNB FINANCIAL CORP/PA
- filed_at: 2023-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/736772/000073677223000068/0000736772-23-000068-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/736772/000073677223000068/ccne-20231023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000736772-23-000068
- JSON: https://secwatch.observer/filing/0000736772-23-000068.json
- Plain text: https://secwatch.observer/filing/0000736772-23-000068.txt

## Key facts
- Earnings Releases
  CNB FINANCIAL CORP/PA reported financial results for three and nine months ended September 30, 2023.
  - Period: three and nine months ended September 30, 2023
  - Result: reported results
  source text: On October 23, 2023, CNB Financial Corporation (NASDAQ: CCNE), the parent company of CNB Bank, issued a press release describing its results of operations for the three and nine months ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/736772/000073677223000068/0000736772-23-000068-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.