CNB Bank

Clearfield, Pennsylvania, Clearfield County

$8.4B in total assets, the 199th largest of 4,309 US banks and 10th of 113 headquartered in Pennsylvania.

At a glance

Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$8.4B	97%	$2.2B
Loans	$6.5B	94%	$1.6B
Deposits	$7.2B	97%	$1.8B
Return on assets	1.29%	64%	1.16%
Net interest margin	3.89%	61%	3.71%
Efficiency ratio	56.3%	36%	59.5%
Equity to assets	10.92%	61%	10.31%
Loans to deposits	91%	61%	89%

Total assets grew 10.4% a year over the last 5 years and 13.8% a year over 10 years, including 3 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Jul 2025	ESSA Bank & Trust Stroudsburg, PA	$2.2B
Jul 2020	Bank of Akron Akron, NY	$471M
Jul 2016	Lake National Bank Mentor, OH	$157M
Oct 2013	The Farmers Citizens Bank Bucyrus, OH	$372M
Aug 1999	The First National Bank of Spangler Spangler, PA	$33M

82 branches in 32 counties.

County	Deposits	Market share	Rank
Clearfield County, PA	$1.6B	57.1%	1 of 8
Erie County, PA	$939M	12.4%	4 of 11
Erie County, NY	$840M	1.3%	8 of 20
Monroe County, PA	$836M	23.5%	2 of 14
Crawford County, PA	$288M	17.3%	3 of 8
Franklin County, OH	$252M	0.2%	18 of 34

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 44 branches since 2016 (38 to 82, +115.8%). 28 opened, 29 acquired, 13 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				38
2016	Acquired Lake National BankOpened Worthington, closed Worthington	3	1	+2	40
2017	Sold 1 branch to First Federal Community Bank, National AssociationOpened 5 in 3 states, closed 3 in 2 states	5	4	+1	41
2018	Opened Niagara Falls	1	0	+1	42
2019	Opened Niagara Falls	1	0	+1	43
2020	Acquired Bank of AkronOpened Columbus and Punxsutawney, closed 6 in 3 states	8	6	+2	45
2021	Opened AmherstClosed Dublin	1	1	0	45
2022	Opened 4 in 3 states	4	0	+4	49
2023	Opened 5 in 4 states	5	0	+5	54
2024	Opened 5 in 4 states	5	0	+5	59
2025	Acquired ESSA Bank & TrustOpened 3 in 2 states, closed Indiana	24	1	+23	82

Type	This bank	Peers
1-4 family residential	33%	35%
Commercial real estate	31%	33%
Business (C&I)	14%	10%
Multifamily	10%	7%
Construction and land	7%	6%
Consumer	2%	3%
Farmland	0%	3%
Other	3%	3%

Type	This bank	Peers
Other interest-bearing	67%	54%
Noninterest-bearing	17%	20%
Time deposits	16%	27%

Brokered deposits are 4.2% of deposits (peers 2.6%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/cnb-bank-clearfield-pa