Peer Analysis

Performance Ratios (%) CCNE Peer Median Peer Average
ROAA 1.17 1.28 1.24
ROAE 14.07 10.73 10.61
Net Interest Margin 3.69 3.68 3.60
Efficiency Ratio 60.17 56.40 55.19
Loans / Deposits 95.62 92.23 92.66
Asset Quality Ratios (%)
NPAs / Assets 0.64 0.58 0.62
NCOs / Avg Loans 0.35 0.05 0.11
Reserves / Loans 0.73 0.90 0.89
Reserves / NPAs 89.59 118.05 151.81
Capital Ratios (%)
Tier 1 Capital 10.02 13.50 13.47
Tangible Equity / Tangible Assets 7.37 9.74 10.15
Total Equity / Total Assets 8.39 12.10 12.10
Market Ratios
Price / Earnings (x) 12.38 12.51 14.17
Price / Book (%) 160.18 135.39 141.02
Dividend Yield (%) 2.17 2.92 2.61
Data for trailing four quarters

CNB Financial Corporation's peer group consists of the following: Arrow Financial Corporation (AROW), BNC Bancorp (BNCN), Bridge Bancorp, Inc. (BDGE), City Holding Company (CHCO), Eagle Bancorp, Inc. (EGBN), Enterprise Financial Services Corp (EFSC), Financial Institutions, Inc. (FISI), First Community Bankshares, Inc. (FCBC), First Defiance Financial Corp. (FDEF), First Financial Corporation (THFF), First of Long Island Corporation (FLIC), Kearny Financial Corp. (KRNY), Lakeland Bancorp, Inc. (LBAI), Lakeland Financial Corporation (LKFN), Metro Bancorp, Inc. (METR), Peoples Bancorp Inc. (PEBO), Seacoast Banking Corporation of Florida (SBCF), Suffolk Bancorp (SUBK), Univest Financial Corporation (UVSP)

CNB Financial Corporation's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Suffolk Bancorp's financial data is as of 12/31/2016.
Metro Bancorp, Inc.'s financial data is as of 12/31/2015.
BNC Bancorp's financial data is as of 3/31/2017.