---
schema_version: "secwatch.filing_event.v1"
accession: "0000736772-25-000196"
form_type: "8-K"
ticker: "CCNE"
cik: "0000736772"
company_name: "CNB FINANCIAL CORP/PA"
filed_at: "2025-10-30T23:59:59+00:00"
generated_at: "2026-05-17T01:28:53.126432+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# CNB Financial reports Q3 GAAP EPS $0.22; adjusted EPS $0.82; completes ESSA acquisition

## Summary
- Net income available to common shareholders of $6.0M ($0.22 diluted EPS) vs $12.9M ($0.61) in Q2 2025; adjusted earnings $22.5M ($0.82), up 70% from Q2.
- Completed ESSA Bancorp acquisition on July 23, adding $2.1B in assets ($1.7B loans) and 20 branches in Northeastern Pennsylvania.
- Organic loan growth of $90.8M (1.95% or 7.74% annualized) excluding acquired loans; total loans $6.4B as of Sept 30.
- Net interest margin improved to 3.69% from 3.60% in Q2 2025, including $3.4M purchase accounting loan accretion.
- Nonperforming assets $40.4M (0.49% of assets), up $10.6M primarily from acquired ESSA loans; net charge-offs low at 0.06% annualized.

## SEC filing metadata
- accession: 0000736772-25-000196
- form_type: 8-K
- ticker: CCNE
- cik: 0000736772
- company_name: CNB FINANCIAL CORP/PA
- filed_at: 2025-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/736772/000073677225000196/0000736772-25-000196-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/736772/000073677225000196/ccne-20251030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000736772-25-000196
- JSON: https://secwatch.observer/filing/0000736772-25-000196.json
- Plain text: https://secwatch.observer/filing/0000736772-25-000196.txt

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