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One South Second Street
Clearfield, PA 16830

CNB Bank is headquartered in Clearfield and is the 17st largest bank in the state of Pennsylvania. It is also the 344th largest bank in the nation. It was established in 1934 and as of March of 2014, it had grown to 364 employees at 37 locations. CNB Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CNB Bank had $12.45 million in non-current loans and owned real-estate with $184.74 million in equity and loan loss allowances on hand to cover it. This gives CNB Bank a Texas Ratio of 6.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for CNB Bank decreased dramatically from 10.95% as of March 31, 2013 to 6.74% as of March 31, 2014, resulting in a positive change of 38.44%.This indicates that the balance sheet and financial strength for CNB Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, CNB Bank has increased its total deposits by $283.15 million, resulting in 18.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CNB Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CNB Bank has $2.11 billion in assets with $184.74 million in equity, resulting in a capitalization level of 8.74%, which is average.

Institution Statistics

FDIC Certificate #13876
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.11 billion
Loans$1.27 billion
Deposits$1.83 billion
Equity Capital$169.41 million
Loan Loss Allowance$15.34 million
Unbacked Noncurrent Loans$11.41 million
Real Estate Owned$1.05 million
Historic Data - March 2013
Assets$1.79 billion
Equity Capital$138.62 million
Loan Loss Allowance$12.76 million
Unbacked Noncurrent Loans$11.41 million
Real Estate Owned$376,000
Profit Margin - Quarterly
Net Interest Margin3.56%
Return on Assets0.97%
Return on Equity12.35%
Interest Income$20.32 million

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CNB Bank has 29 locations. Click to view all CNB Bank locations.