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Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No. 333-236018 September 15, 2022 DISCUSSIONMATERIALS INVESTOR PRESENTATION SEPTEMBER 2022

CERTAIN IMPORTANT INFORMATION This presentation has been prepared by CNB Financial Corporation (the “Company” or “CNB”) solely for information purposes based on its own information, as well as information from public sources. This presentation is a summary only and has been prepared to assist interested parties in making their own evaluation of the Company. Except as otherwise indicated, this presentation speaks as of the date hereof. This presentation does not purport to contain all of the information that may be relevant or material to an interested party’s investment decision. In all cases, interested parties should conduct their own investigation and analysis of the Company, including the informationincludedorincorporatedbyreferenceintotheregistrationstatement andrelatedprospectussupplementfortheofferingto whichthispresentationrelates. Thispresentation isneither anoffer to sellnor asolicitation ofan offer topurchaseanysecuritiesofthe Company.Therewillbeno saleofsecuritiesin anyjurisdiction in which such an offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. Any offer to sell or solicitation of an offer to purchase securities of the Company will be made only pursuant to a preliminary prospectus supplement and accompanying prospectus filed with the Securities and ExchangeCommission (the“SEC”). The Company has filed a registration statement (including a prospectus) and a preliminary prospectus supplement with the SEC for the offering to which this presentation relates. Before you invest, youshould read the prospectus in thatregistration statement, the related prospectus supplement and other documents the Company has filed with the SEC that are incorporated by reference into the prospectus supplement for more complete information about the Company and this offering. You may get these documents for free by visiting EDGAR on the SEC website at www.sec.gov. Alternatively, the Company, any underwriter or any dealer participating in the offering will arrange tosend youtheprospectussupplementifyourequestitbycallingPNCCapitalMarketsLLC at1-855-881-0697. 2

CERTAIN IMPORTANT INFORMATION CAUTION REGARDING FORWARD LOOKING STATEMENTS This presentation includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to CNB’s financial condition, liquidity, results of operations, future performance and business. These forward-looking statements are intended to be covered by the safe harbor for “forward-looking statements” provided by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those that are not historical facts. Forward-looking statements include statements with respect to beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions that are subject to significant risks and uncertainties and are subject to change based on various factors (some of which are beyond CNB’s control). Forward-looking statements often include the words “believes,” “expects,” “anticipates,” “estimates,” “forecasts,” “intends,” “plans,” “targets,” “potentially,” “probably,” “projects,” “outlook” or similar expressions or future conditional verbs such as “may,” “will,” “should,” “would” and “could.” CNB’s actual results may differ materially from those contemplated by the forward-looking statements, which are neither statements of historical fact nor guarantees or assurances of future performance. Such known and unknown risks, uncertainties and other factors that could cause the actual results to differ materially from the statements, include, but are not limited to, (i) the duration and scope of the COVID-19 pandemic and the local, national and global impact of COVID-19; (ii) actions governments, businesses and individuals take in response to the pandemic; (iii) the speed and effectiveness of vaccine and treatment developments and deployment; (iv) variations of COVID-19, such as the Delta and Omicron variants, and the response thereto; (v) the pace of recovery when the COVID-19 pandemic subsides; (vi) changes in general business, industry or economic conditions or competition; (vii) changes in any applicable law, rule, regulation, policy, guideline or practice governing or affecting financial holding companies and their subsidiaries or with respect to tax or accounting principles or otherwise; (viii) adverse changes or conditions in capital and financial markets; (ix) changes in interest rates; (x) higher than expected costs or other difficulties related to integration of combined or merged businesses; (xi) the effects of business combinations and other acquisition transactions, including the inability to realize our loan and investment portfolios; (xii) changes in the quality or composition of our loan and investment portfolios; (xiii) adequacy of loan loss reserves; (xiv) increased competition; (xv) loss of certain key officers; (xvi) deposit attrition; (xvii) rapidly changing technology; (xviii) unanticipated regulatory or judicial proceedings and liabilities and other costs; (xix) changes in the cost of funds, demand for loan products or demand for financial services; and (xx) other economic, competitive, governmental or technological factors affecting our operations, markets, products, services and prices. Such developments could have an adverse impact on CNB's financial position and results of operations. For more information about factors that could cause actual results to differ from those discussed in the forward-looking statements, please refer to the “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” sections of and the forward-looking statement disclaimers in CNB’s annual and quarterly reports filed with the SEC. The forward-looking statements are based upon management’s beliefs and assumptions and are made as of the date of this presentation. CNB undertakes no obligation to publicly update or revise any forward-looking statements included in this presentation or to update the reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise, except to the extent required by law. In light of these risks, uncertainties and assumptions, the forward-looking events discussed in this presentation might not occur and you should not put undue reliance on any forward-looking statements. NON-GAAP FINANCIAL MEASURES This presentation contains references to financial measures that are not defined in GAAP. Management uses non-GAAP financial information in its analysis of the Company’s performance. Management believes that these non-GAAP measures provide a greater understanding of ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and charges in the periods presented. The Company’s management believes that investors may use these non-GAAP measures to analyze the Company’s financial performance without the impact of unusual items or events that may obscure trends in the Company’s underlying performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results. Limitations associated with non-GAAP financial measures include the risks that persons might disagree as to the appropriateness of items included in these measures and that different companies might calculate these measures differently. 3

OFFERING SUMMARY Company CNB Financial Corporation Exchange | Ticker Nasdaq | CCNE Security Common Stock Offering Type Follow-on Public Offering (100% Primary Shares) Base Deal Size $87 Million Overallotment Option Up to 15% (100% Primary Shares) Lock-up Period 90 days for Directors & Executive Officers General corporate purposes, including working capital and the funding of Use of Proceeds organic growth or potential acquisitions PNC FIG Advisory, part of PNC Capital Markets LLC Joint Bookrunners Janney Montgomery Scott LLC th Expected Pricing Date September 15 , 2022 (post-close) 4

EXPERIENCED MANAGEMENT TEAM TOP EXECUTIVES § Chief Executive Officer of CNB Financial Corporation since January 1, 2010§ Served as Senior Executive Vice President & Chief Experience Officer of CNB Bank since 2021 § Has been with the Company since 1997 – previously served as Chief Executive Officer, President, Chief Financial Officer and Chief § Previous roles with CNB include Executive Vice President of Marketing Operating Officer of CNB Bank as well as Secretary and Treasurer of and Senior Risk Officer of Enterprise Risk Management program CNB Financial Corporation § Serves on American Bankers Association Marketing Conference LEANNE D. KASSAB § As disclosed in previously filed Form 8-K, scheduled to retire as Chief Advisory Board JOSEPH B. BOWER JR. SEVP; Chief Experience Executive Officer of CNB Financial Corporation on December 31, 2022 President, CEO & Director Officer § Appointed Chief Executive Officer of CNB Bank as of July 1, 2022 § Board-appointed to succeed as the Chief Executive Officer of CNB § More than 30 years of experience in various areas of banking Financial Corporation effective January 1, 2023 § Joined CNB Financial Corporation in 2016 § Joined as President & Chief Operating Officer of CNB Bank in August § Formerly served as Senior Vice President of Retail Banking, Senior Vice 2021 President of Commercial Banking and Regional President at Five Star § More than 30 years of experience in banking and financial services, Bank MICHAEL PEDUZZI MARTIN T. GRIFFITH most recently as Senior Executive Vice President & Chief Financial President & CEO SEVP, Chief of Community Officer of Mid Penn Bank CNB Bank Banking § Broad experience in the financial services industry for 30+ years § Joined CNB Financial Corporation as Chief Financial Officer in July § Has been with CNB Financial Corporation since 2020 and has served as 2019 its Chief Commercial Banking Officer since January 1, 2022 § Formerly served as Chief Financial Officer and Executive Vice § Has over 28 years of experience in various areas of commercial President at NexTier Bank, N.A. banking and credit underwriting and has previously served in a senior leadership role with KeyBank § Prior to NexTier, served as Executive Vice President and Corporate ANGELA WILCOXSON Controller of National Penn Bancshares, Inc. TITO L. LIMA EVP; Chief Commercial SEVP, CFO & Treasurer Banking Officer § Served as Senior Executive Vice President & Chief Operating Officer of CNB Financial Corporation since 2022§ Chief Risk Officer of CNB Financial Corporation § Previous roles with CNB include Senior Vice President of § Has been with CNB since 2003 and has served in various capacities Administration and Vice President of Operations § Serves on various boards within the community § Participated in CNB Bank’s management training program RICHARD L. GRESLICK JR. § Serves on various boards within the community SEVP; Chief Operating GREGORY M. DIXON Officer EVP; Chief Risk Officer Note: Boxes denote speakers 5

EXPERIENCED MANAGEMENT TEAM TOP EXECUTIVES § Currently serves as the Regional President of ERIEBANK and is § Has over 27 years of experience in wealth management and private responsible for the expansion of the Bank into the Cleveland market, banking as well as lead the growth efforts of the Northeast region for § Prior to joining CNB Financial Corporation in 2015, he served as a ERIEBANK Senior Vice President in leadership roles with Huntington Wealth § Has over 30 years of experience in banking Advisors, National City Private Client Services and the Bank of America § Has worked with small and mid-sized businesses, successfully leading STEVEN R. SHILLING: Private Bank EVP; Private Client WESLEY GILLESPIE business banking teams over the past 17 years Solutions Regional President § Currently serves as Regional President of Ridge View Bank, a division § Currently serves as CNB Financial Corporation’s Senior Vice President, of CNB Bank, located in Southern Virginia region Chief Employee Resources Officer § Has 22+ years of banking experience in Roanoke and Salem, VA § Has served in various roles within CNB for the past 18 years § Her extensive experience as a commercial lender has provided her § Is a Society for Human Resource Management Certified Professional with a wealth of insight that will serve her well as the leader for Ridge HEATHER J. KOPTCHAK View Bank SVP; Chief Employee CARRIE T. MCCONNELL Resources Officer Regional President § Joined CNB as President of ERIEBANK, a division of CNB Bank, in August 2005 and has led ERIEABNK since its inception in his capacity § Currently serves as Regional President for the legacy CNB Bank region as President of ERIEBANK § Joined CNB in 2007 as a member of the Management Training § 40+ years of experience in commercial and retail banking Program and positions within Credit Administration, Commercial Banking § Active member of numerous business and community organizations including Chairman of the Board for the Erie Western Pennsylvania § Has served in various community Boards and is currently a member of Port Authority and Board, Treasurer of the Erie Downtown the Philipsburg-Osceola School Board of Directors DAVID J. ZIMMER DUSTIN A. MINARCHICK Development Corporation President – ERIEBANK Regional President § Joined CNB as President of FCBank, a division of CNB Bank, in October 2017 § Currently serves as the President for CNB Financial Corporation’s § More than 35 years of experience in community banking and financial Buffalo Region services § Has spent 25 years in banking, including at M&T, First Niagara and § Active member of numerous business and community organizations, KeyBank. He joined BankOnBuffalo shortly after its inception in 2017 including the Ohio Bankers League, Worthington Chamber of Commerce and Worthington School District JENNY L. SAUNDERS MICHAEL NOAH President – FCBank Regional President 6

CORPORATE OVERVIEW

INVESTMENT HIGHLIGHTS A PREMIER FRANCHISE DIVERSIFIED MARKETS ATTRACTIVE BUSINESS MIX § Deep rooted community bank § Meaningful scale in key growth § Diversified and balanced loan established in 1865 markets, including Buffalo, NY, portfolio consisting of 56% of Columbus, OH, Cleveland, OH and outstanding balances in growth (1) (2) § #3 ranked community bank in legacy Southwest, VA markets and 44% in legacy markets (2) CNB Bank markets § Robust C&I lending comprising 36% of § Supplemented by stable, legacy (1) loan portfolio § #3 ranked community bank in the (2) markets , in which CNB has Buffalo MSA § Stable funding base with deposits per significant market share and branch of approximately $100 million competitive advantage EXPERIENCED LEADERSHIP STRONG FINANCIAL POSITIONING CONSISTENT GROWTH STORY § Chief Executive Officer Joseph Bower, Jr., § $5.3B in total assets with net income § Strong and successful track record of (3) with 30+ years of banking experience; to of $30.7 million, 17.3% ROATCE and organic growth (4) retire on December 31, 2022, and to be 14.3% ROAE for the six months § Complemented by brand extensions in succeeded by Michael Peduzzi, also with ended June 30, 2022 growth markets with strong C&I 30+ years of banking experience § Strives to achieve and maintain lending and deposit opportunities § CEO transition is the result of a well- performance levels in the top quartile structured succession planning process of peer group § Completed 3 acquisitions since 2013 implemented by the Corporation’s Board § Established track record of strong to supplement organic growth of Directors credit quality strategy (1) Community bank defined as banks with total assets < $30.0B; Ranking based on deposit market share as of June 30, 2021 (2) Legacy markets include CNB Bank and ERIEBANK footprint in Pennsylvania (3) Return on average tangible common equity is a non-GAAP financial measure - see Appendix for reconciliation (4) Average equity includes common equity and preferred equity Note: Unless otherwise indicated, financial data is as of or for the six months ended June 30, 2022 8 Source: Deposit market share data from S&P Global Market Intelligence; Deposit market share data shown based upon 2021 FDIC data and Company filings

COMPELLING INVESTMENT OPPORTUNITY (2) (1) EARNINGS PER COMMON SHARE RETURN ON AVERAGE TANGIBLE COMMON EQUITY $3.50 $3.16 20.00% ROATCE $3.00 $2.63 ROAE 18.00% $2.50 $2.21 $1.97 $2.00 $1.69 16.00% $1.60 $1.57 $1.54 $1.42 $1.50 $1.29 14.00% $1.00 $0.50 12.00% $- 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 10.00% YTD (2) TANGIBLE BOOK VALUE PER SHARE 8.00% $25.00 BV / Share $22.85 $21.70 $21.29 TBV / Share 6.00% $20.00 $20.00 $20.22 $17.28 $19.08 $18.66 $15.98 4.00% $17.45 $14.64 $14.01 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 $15.00 $13.09 $14.69 YTD $11.43 $13.33 $11.96 $11.76 $10.00 $10.97 $9.23 The Great COVID-19 Recession Pandemic $5.00 $- 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 YTD (1) Earnings per share includes merger costs in 2019 and merger costs, FHLB prepayment penalties and branch closure costs in 2020 (2) Return on average tangible common equity and tangible book value per share are non-GAAP financial measures – see Appendix for reconciliations. Average equity includes both common and preferred equity in periods following the 2020 preferred equity issuance 9 Note: 2022 YTD as of June 30, 2022 2008 2020

TOTAL ASSET GROWTH AND KEY CAPITAL ACTIVITIES $6.0 $5.3 $5.3 $5.0 $4.7 $4.0 $3.8 $3.2 $3.0 $2.8 $2.6 $2.3 $2.2 $2.1 $2.0 $1.8 $1.6 $1.4 $1.2 $1.0 $0.9 $1.0 $0.8 $0.8 $0.0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 YTD At-The-Market Capital $85M Sub- Raise of $20.0M Common Equity Debt Raise Capital Raise of $34.5M Preferred Ridge View Equity Capital $50M Sub-Debt Acquisition of Lake ERIEBANK Bank Is Raise of Raise National Bank Formed Formed in $60.4M Roanoke, VA Bank on Buffalo Acquisition of FC Banc Corp. in Acquisition of Is Formed Bucyrus, OH Adding $360M in Assets Bank of Akron 10 Note: CAGR based on the period from December 31, 2005, through June 30, 2022 $ in Billions 2005 2013 2010 2016 2017 2020 2021

PRO FORMA CONSOLIDATED CAPITAL POSITION PRO FORMA CONSOLIDATED PRO FORMA CONSOLIDATED CAPITALIZATION CAPITAL RATIOS TABLE (Dollars in millions, except per share amounts) As of June 30, 2022 Pro Forma 16.03% With 1 2 Actual Pro Forma Overallotment 14.23% Long-Term Debt 13.10% Subordinated Debt $ 83.8 $ 83.8 $ 83.8 Trust Preferreds 20.6 20.6 20.6 Total Long-Term Debt $ 104.4 $ 104.4 $ 104.4 11.25% 11.18% Shareholders' Equity 9.95% 9.30% Common Stock 407.2 489.4 501.7 Preferred Stock 57.8 57.8 57.8 8.53% Accumulated Other Comprehensive Income (41.4) (41.4) (41.4) 7.57% Total Shareholders' Equity $ 423.6 $ 505.8 $ 518.1 6.12% Common Shares Outstanding (As of June 30, 2022) 16,859,586 20,205,740 20,707,663 Book Value Per Share $ 21.70 $ 22.17 $ 22.23 3 Tangible Book Value Per Share $ 19.08 $ 19.99 $ 20.10 Regulatory Capital Tier 1 Common Capital $ 370.3 $ 452.5 $ 464.8 Tier 1 Capital $ 448.1 $ 530.3 $ 542.6 Total Capital $ 566.7 $ 649.0 $ 661.3 Capital Ratios TCE/ TA Leverage Ratio Tier 1 Common Tier 1 RBC Ratio Total Risk Based Common Equity/Assets 6.90% 8.33% 8.53% Capital Ratio Ratio 3 Tangible Common Equity/Tangible Assets 6.12% 7.57% 7.78% Leverage Ratio 8.53% 9.95% 10.15% As Reported, June 30, 2022 Tier 1 Common Capital Ratio 9.30% 11.18% 11.45% (1) Tier 1 RBC Ratio 11.25% 13.10% 13.37% June 30, 2022 Pro Forma for Offering Total Risk Based Ratio 14.23% 16.03% 16.29% Additional Capital: § Complements the strategic vision of newly-appointed President and CEO Michael Peduzzi § Supports efforts to continue to take market share from larger and distracted banks in key markets § Supports additional fintech investments § Supports loan growth § Provides additional liquidity and market cap for our equity investors § Better position the company to take advantage of acquisition opportunities, including banks and non-bank financial companies (1) Assumes gross proceeds of $87.0 million at $26.00 per share, 5.50% underwriting spread (2) Assumes exercise of overallotment option (3) Tangible book value per share and tangible common equity to tangible assets are non-GAAP financial measures - see Appendix for reconciliation 11 Note: Pro forma capital ratios assume 80% risk weighting on net proceeds

CNB FINANCIAL CORPORATION GREATER § Holding Company for CNB Bank (Clearfield, BUFFALO, NY PA), serving the community since 1865 BANKONBUFFALO § 46 full-service offices, 1 drive-through ERIEBANK location and 3 loan production office across Pennsylvania, New York, Ohio and Virginia ERIE, PA NY § CNB Bank’s regional divisions (all under one charter) include CNB Bank (Western PA); FC Bank (Columbus & Central OH), ERIEBANK (Northeast OH & Northwest PA), BankOnBuffalo (Buffalo, NY), and Ridge CLEVELAND, OH View Bank (Southwest, VA) § Nasdaq: CCNE (1) § Market Capitalization: ~$438 million PA COLUMBUS, OH FINANCIAL HIGHLIGHTS (As of 6/30/22) ASSETS: $5.3 billion OH DEPOSITS: $4.7 billion CORPORATE HEADQUARTERS VA LOANS: CNB BANK $3.9 billion FC BANK YTD ROAA: 1.17% RIDGE VIEW BANK (2) YTD ROATCE : 17.34% SOUTHWEST VA (3) NPAs/ASSETS : 0.39% (1) Based on 16,860,138 share count reported as of August 2, 2022 in June 30, 2022 10-Q and the September 9, 2022 closing stock price ($26.00) (2) Return on average tangible common equity is a non-GAAP financial measure - see Appendix for reconciliation 12 (3) Excluding performing troubled debt restructurings

UNIQUE MULTI-STATE, MULTI-BRAND MODEL § Legacy bank of the organization founded § Opened August 2005§ Opened in 2013 with the acquisition of FC in 1865 Banc Corp. in Bucyrus, OH § Comprised of two premium franchises § Focus on the greater-Columbus metro § 18 full-service offices serving Clearfield, § Legacy market with 8 full-service area and northeastern Ohio Centre, McKean, Elk, Jefferson, Cambria, offices serving Erie, Crawford & Indiana and Blair counties in PA Warren counties in PA § 6 full-service offices serving Bucyrus, § Growth market with 3 full-service Cardington, Fredericktown, Shiloh, § Western and Central PA focus offices serving Lake, Ashtabula, & Grandview, and Worthington, OH Cuyahoga counties in OH, including the city of Cleveland § Opened in 2016 serving the Greater § Established in Q3 2021§ Rebranding in July 2022 of the legacy Buffalo market Wealth Management business with long- § Currently 2 loan production offices established roots and a history of § Currently 11 full-service offices, 1 loan excellence in performance production office and 1 drive through § Hired Carrie McConnell, a 20+ year location with the addition of Bank of veteran within the Southwest Virginia § Focus on a planning-based approach for Akron (acquired in 2020) market, as Regional President families and commercial customers § Strong growth story with recent, significant loan & deposit growth along § Expect to have 6 to 8 locations within the § Seamless partnership with Private Banking with the Bank of Akron acquisition next 5 years and become a meaningful in providing customers with a broad array contributor to overall growth of competitive solutions § Further expansion into Rochester market in 2022 with commercial lending and Wealth & Asset management 13

BOARD LEADERSHIP (1) CNB BOARD OF DIRECTORS § Attorney specializing in commercial transactions, real estate, mineral law and estate planning PETER F. SMITH Independent Chairman of the Board of Directors § Independent Chairman since January 1, 2017 § See biographical information on management team page JOSEPH B. BOWER JR. (1) § See biographical information on management team page MICHAEL PEDUZZI RICHARD L. GRESLICK JR.§ See biographical information on management team page § President of UBIZ Venture Capital and CEO of Spectrum Global Solutions, LLC N. MICHAEL OBI JOEL E. PETERSON§ President of Clearfield Wholesale Paper DEBORAH D. PONTZER§ President, Grow Rural PA, Inc. JEFFREY S. POWELL§ President, J.J. Powell, Inc. § Vice President and Owner, Scott Enterprises NICK N. SCOTT JR. RICHARD B. SEAGER III§ Owner, RITRI Holdings, LLC and Dream Field Retreats, LLC § Managing Officer and Director, St. Marys Pharmacy, Inc. and Bennetts Valley Pharmacy, Inc. FRANCIS X. STRAUB III PETER C. VARISCHETTI§ President, Varischetti Holdings, LP JULIE M. YOUNG§ Human Resources Attorney, JMY Law, LLC 14 (1) Mr. Peduzzi is a member of the CNB Bank Board of Directors only. All other Directors are members of both the CNB Financial Corp. and CNB Bank Boards

DEMONSTRATED COMMITMENT TO DIVERSITY, EQUITY AND INCLUSION Established an Inclusion and Diversity Committee in 2018 comprised of underrepresented minorities, females, and those who identify as LGBTQ+ • Encourage an inclusive and engaged workforce culture through communications and training • Demonstrate sustainability, commitment and accountability by tracking inclusion and diversity efforts bank wide • Bring awareness to the importance of inclusion and diversity internally and externally The Board views its diversity as an important strength, as our commitment to diversity of experience, gender, and ethnicity is a key driver of success • Two female Board members • One African American Board member • One Veteran Board member Implemented and achieved an annual company-wide goal in 2021 for at least 20% of all new hires to be comprised of under-represented minorities Partnered with Buffalo area college to offer apprenticeship programs to minority students Invested $6.9 million in affordable housing through 2021, with an additional $2.1 million investment commitment Provided internships to minority college students through involvement in the Ohio Bankers League Summer Banking Institute Supported local communities with employees volunteering 7,835 hours across more than 456 organizations in 2021 Designed procurement practices to identify diverse-owned businesses committed to delivering the service, quality, and value that defines our brand $2.5 million to the Erie Downtown Development Corporation to begin revitalization of downtown with improved housing for all and additional services to the underserved in the community 15

FRANCHISE MILESTONES Preferred Joseph Equity Bower Capital becomes Raise of CEO $60.4M CNB County Financial Common Michael National Corporation Equity Acquisition Peduzzi th Bank of holding Capital 150 of becomes Clearfield company Raise of Anniversary Bank of CNB Bank established organized $34.5M Celebration Akron CEO 2020 1865 1934 1984 2005 2016 2021 2022 2010 2013 2015 Reorganized Bank on Ridge View ERIEBANK Acquisition through a Buffalo is Bank is formed of FC Banc formed stock formed in Corp. in offering to Roanoke, Bucyrus, existing VA OH w/ Acquisition depositors $360M in of Lake assets National $85M Sub Bank Debt Raise $50M Sub Debt Raise 16

TECHNOLOGY EVOLUTION Agility, Scalability and Security Application Programming Interface (API) and Mobile Features 17

(1) LEGACY AND NEW MARKETS (2) LEGACY VS. NEW – LOAN PORTFOLIO JUNE ‘21 TO JUNE ‘22 – LOAN GROWTH 15.1% Growth Rate (2) LEGACY VS. NEW – DEPOSITS JUNE ‘21 TO JUNE ‘22 – DEPOSIT GROWTH 4.4% Growth Rate (1) New markets include BankOnBuffalo, ERIEBANK – Northeast Ohio, FCBank and Southwest Virginia; Legacy markets include CNB Bank and ERIEBANK footprint in Pennsylvania 18 (2) As of June 30, 2022; Excludes Paycheck Protection Program and syndicated loans

LOANS TO DEPOSITS (1) (1) AS OF 12/31/19 AS OF 6/30/22 $4,702 $3,910 $3,102 $2,804 LOANS DEPOSITS LOANS DEPOSITS As of December 31, As of ($000) 2019 2020 2021 6/30/2022 2019 – 2Q’22 CAGR Total Loans $2,804,035 $3,371,789 $3,634,792 $3,909,753 +14% Total Deposits $3,102,327 $4,181,744 $4,715,619 $4,701,820 +18% Loans to Deposits 90.4% 80.6% 77.1% 83.2% 19 (1) In millions if not otherwise noted

NEW GROWTH MARKETS – LOAN AND DEPOSIT (1) DETAIL COMMERCIAL & PRIVATE BANKING – COMMERCIAL & PRIVATE BANKING – (2) (2) LOANS – 6/30/22 DEPOSITS – 6/30/22 PRIVATE BANKING 8.9% ALL OTHER 48.8% PRIVATE BANKING ALL OTHER 13.4% 14.3% COMMERCIAL 76.8% COMMERCIAL 37.9% § Loan portfolio is based on historically § Diversified deposit base provides proven underwriting practices and loan granularity in deposit relationships types that have been successful over time § Success in expanding market share in § Commercial and Private Banking customer growth markets through retail, commercial base provides significant opportunity for and Private Banking deposit relationships cross-sell of cash management (deposits) and wealth management (1) New markets include BankOnBuffalo, ERIEBANK – Northeast Ohio, FCBank and Southwest Virginia 20 (2) Commercial consists of commercial & industrial and commercial mortgages

BUSINESS HIGHLIGHTS

INTEREST RATE SENSITIVITY § Base case assumes composition of interest sensitive assets and liabilities remain static as of June 30, 2022 § Assumes rate shocks are instantaneous and sustained parallel rate shifts, or reflected uniformly across the yield curve regardless of duration to maturity or repricing of specific assets & liabilities § Interest rate risk is mitigated through efficient balance sheet management § At June 30, 2022, the Corporation has approximately $1.9 billion in outstanding loan balances that are rate sensitive over the next twelve months 6/30/22 INTEREST RATE SENSITIVITY 6/30/22 RATE CHARACTERISTICS - LOANS Change in Interest Rates % Change in Net (Rate Shock) Interest Income Up 400 bps 16.5% FIXED Up 300 bps 13.2% 31.6% Up 200 bps 10.5% Up 100 bps 7.4% FLOATING / ADJUSTABLE Base -- 68.4% Down 100 bps -6.2% Down 200 bps -11.8% 22

LOAN PORTFOLIO COMPOSITION 6/30/22 LOAN PORTFOLIO COMPOSITION OBSERVATIONS § Loan growth driven primarily by increases in C&I loans and CRE loans primarily from our Cleveland, Buffalo and Southwest Virginia regions § Excluding net PPP loans and syndicated loans, loans grew $493 million, or 15.1%, from June 30, 2021, including Bank of Akron § CNB views commercial lending as its competitive advantage and remains focused on the area by hiring and retaining experienced loan officers § Continued focus on adhering to disciplined pricing and credit quality standards (1) § CRE concentration ratio of 266% Loan Portfolio Detail As of December 31, As of ($000) 2018 2019 2020 2021 6/30/2022 2018 – 2Q’22 CAGR Commercial & Industrial $864,253 $983,129 $1,242,233 $1,323,674 $1,414,097 15% Commercial Mortgages $722,956 $869,654 $1,059,494 $1,178,074 $1,288,540 18% Residential Real Estate $795,152 $821,680 $967,968 $1,025,757 $1,095,012 10% Consumer & Other $92,196 $129,572 $102,094 $107,287 $112,104 6% Total Loans $2,474,557 $2,804,035 $3,371,789 $3,634,792 $3,909,753 23 (1) Defined as the regulatory agencies guidance on commercial real estate (CRE) as a percent of total capital; Regulatory capital is as of June 30, 2022

ADDITIONAL LOAN PORTFOLIO DETAIL § Well diversified and granular C&I portfolio with no single industry greater than 14% of total C&I portfolio § CNB has proven C&I underwriting practices and strong loan loss history § CRE portfolio is also well diversified and granular with no single segment greater than 28% of the CRE portfolio C&I DETAIL (6/30/22) COMMERCIAL MORTGAGE DETAIL (6/30/22) All Other Manufacturing 18.1% 13.4% Apartments 27.5% Warehouse 1.5% Healthcare & Social Services Storage Units 6.1% 1.9% Manufacturing Public Administration 2.1% 4.7% Construction Retail 4.3% 8.7% Farming All Other 4.1% 61.3% Arts, Entertainment, Lodging Office and Recreation 19.0% 9.7% 3.1% Transportation & Mixed Use Warehousing 3.0% 11.5% 24

CONSERVATIVE CREDIT CULTURE 6/30/22 NONACCRUAL LOANS BY TYPE HISTORICAL NPAs/ASSETS & NCOs/LOANS 1.00% 0.80% 0.67% COMMERCIAL 0.62% REAL ESTATE 0.60% COMMERCIAL 26% 0.48% & INDUSTRIAL 0.39% 0.38% 45% 0.40% 0.26% 0.24% 0.21% 0.20% RESIDENTIAL 0.08% MORTGAGE 0.18% 0.05% 0.17% 0.17% 25% 0.05% 0.02% 0.00% 2018 2019 2020 2021 2022YTD CONSUMER (1) 4% NPAs / ASSETS (EX. TDRs) NCOs / AVERAGE LOANS NCOs / AVERAGE LOANS - BANK ONLY HISTORICAL ASSET QUALITY 12/31/2018 12/31/2019 12/31/2020 12/31/2021 6/30/2022 NONACCRUAL LOANS $14,262 $21,736 $30,359 $19,420 $18,954 ACCRUAL LOANS GREATER THAN 89 DAYS 887 61 325 168 1,060 OREO 418 1,633 862 707 686 PERFORMING TDRs 8,201 7,359 10,507 9,006 10,596 NONPERFORMING ASSETS $23,768 $30,789 $42,053 $29,301 $31,296 NONPERFORMING ASSETS (EX. PERFORMING TDRs) $15,567 $23,430 $31,546 $20,295 $20,700 NONACCRUAL LOANS / LOANS 0.58% 0.78% 0.90% 0.53% 0.48% NPAs / ASSETS (EX. PERFORMING TDRs) 0.48% 0.62% 0.67% 0.38% 0.39% ACL / NONACCRUAL LOANS 138.16% 89.59% 113.11% 193.55% 213.90% (1) NCOs-Bank Only excludes Holiday Financial Services Note: TDRs is an abbreviation for troubled debt restructurings and excludes COVID-19 related modifications; NPAs is an abbreviation for non-performing assets; NCOs is an 25 abbreviation for net charge-offs

ADDITIONAL CREDIT QUALITY DETAIL COMMERCIAL LOANS BY RISK RATING (6/30/22) Special $ in Thousands Pass Mention Substandard Doubtful Total Pass % Commercial, Industrial and Agricultural $1,378,106 $14,410 $20,225 $1,356 $1,414,097 97.5% Commercial Mortgages 1,256,044 8,288 24,208 0 1,288,540 97.5% Total $2,634,150 $22,698 $44,433 $1,356 $2,702,637 97.5% RESIDENTIAL, CONSUMER & CREDIT CARD – PERFORMING DETAIL (6/30/22) Residential $ in Thousands Real Estate Consumer Credit Cards Total Performing $1,090,200 $99,984 $11,046 $1,201,230 Nonperforming 4,812 715 3 5,530 Total $1,095,012 $100,699 $11,049 $1,206,760 26

DEPOSIT MIX AVERAGE COST OF INTEREST-BEARING 6/30/22 DEPOSIT MIX DEPOSITS 1.40% 1.26% 1.20% 1.00% 0.84% 0.77% 0.80% 0.60% 0.40% 0.40% 0.28% 0.26% 0.20% 0.00% 2018Y 2019Y 2020Y 2021Y 1Q'22 2Q'22 HIGHLIGHTS § Time deposits represented less than Deposit Composition 10% of total deposits as of June 30, As of December 31, As of 2022 (1) ($000) 2018 2019 2020 2021 6/30/2022 CAGR Non-Int. Demand $356,797 $382,259 $627,114 $792,086 $851,172 28% § Deposit portfolio comprised entirely Interest Demand $600,046 $628,579 $951,903 $1,079,336 $1,147,376 20% of customer relationships with no Savings $1,258,506 $1,663,673 $2,126,183 $2,457,745 $2,398,995 20% broker deposits as of June 30, 2022 Time $395,437 $427,816 $476,544 $386,452 $304,277 -7% § Long-term growth in deposits driven Total Deposits $2,610,786 $3,102,327 $4,181,744 $4,715,619 $4,701,820 primarily by growth in checking and savings account relationships 27 (1) 2018 through June 30, 2022

FINANCIAL HIGHLIGHTS

Q2 2022 VS 2021 HIGHLIGHTS (1) TOTAL LOANS (EX. PPP) ($M) TOTAL DEPOSITS ($M) YoY Growth = 4.4% YoY Growth = 17.3% $6,000 $5,000 $4,702 $5,000 $4,505 $3,907 $4,000 $3,330 $4,000 $3,000 $3,000 $2,000 $2,000 $1,000 $1,000 $0 $0 Q2 2021 Q2 2022 Q2 2021 Q2 2022 (2) NET INCOME AVAILABLE TO COMMON EARNINGS PER COMMON SHARE YoY Growth = 11.2% YoY Growth = 11.8% $15,000 $0.90 $0.85 $14,363 $14,000 $0.80 $0.76 $12,915 $13,000 $0.70 $12,000 $0.60 $11,000 $10,000 $0.50 Q2 2021 Q2 2022 Q2 2021 Q2 2022 (1) Q2 2022 and 2021 exclude PPP loans and is a non-GAAP financial measures – see Appendix for reconciliation 29 (2) In thousands

Q2 2022 VS 2021 HIGHLIGHTS (1) RETURN ON AVERAGE ASSETS NET INTEREST MARGIN 1.20% 4.00% 3.74% 3.73% 1.17% 3.60% 1.15% 3.28% 3.25% 1.12% 3.20% 1.10% NIM (FTE) NIM 2.80% NIM (FTE) NIM 1.05% 2.40% 1.00% 2.00% Q2 2021 Q2 2022 Q2 2021 Q2 2022 (1) RETURN ON AVERAGE EQUITY EFFICIENCY RATIO 15.00% 65.0% 14.6% 59.5% 14.00% 60.0% 57.9% 13.2% 13.00% 55.0% 12.00% 50.0% 11.00% 45.0% 10.00% 40.0% Q2 2021 Q2 2022 Q2 2021 Q2 2022 30 (1) Net interest margin (FTE) and efficiency ratio are non-GAAP financial measures – see Appendix for reconciliations

CHANGE IN NET INTEREST MARGIN Q2 2021 VS Q2 2022 + + + + DEPOSIT GROWTH AND JUNE 30, PPP SUBORDINATED EXCESS JUNE 30, RATE INTEREST RATE 2021 FEES DEBT REFINANCE LIQUIDITY 2022 REDUCTIONS INCREASE § Net interest margin expansion of 45 basis points is primarily the result of deposit rate management coupled with organic growth and the early benefit of increases in interest rates. § Strong loan growth and an asset sensitive interest rate position provide CNB with opportunities to further increase net interest margin 31

FINANCIAL TRENDS TOTAL ASSETS ($M) TOTAL GROSS LOANS ($M) CAGR = 14.0% CAGR = 15.3% (1) TOTAL DEPOSITS ($M) EARNINGS PER COMMON SHARE CAGR = 12.2% CAGR = 18.3% (1) Earnings per share includes merger costs in 2019 and merger costs, FHLB prepayment penalties and branch closure costs in 2020 32 Note: YTD data as of June 30, 2022, and “LTM” means for the unaudited 12 month period ended June 30, 2022

EARNINGS POWER (1) (2) RETURN ON AVERAGE ASSETS NET INTEREST MARGIN (FTE) (1) (1)(2) RETURN ON AVERAGE EQUITY EFFICIENCY RATIO (1) Return on average assets, return on average equity, and efficiency ratio includes merger costs in 2019 and merger costs, FHLB prepayment penalties and branch closure costs in 2020 (2) Net interest margin and efficiency ratio are non-GAAP financial measures – see Appendix for reconciliations 33 Note: YTD data as of the six months ended June 30, 2022

WEALTH & ASSET MANAGEMENT FINANCIAL TRENDS ASSETS UNDER MANAGEMENT (“AUM”) ($M) & NET REVENUE MARGIN (%) $1,400 60.0% AUM CAGR = 10.1% 52.0% $1,200 40.3% 46.7% 50.0% 1,273 38.7% 1,146 1,138 41.3% 1,070 $1,000 40.0% 35.8% $800 791 30.0% 742 $600 20.0% $400 10.0% $200 $0 0.0% 2017 2018 2019 2020 2021 2022YTD § Long-term growth and increased profitability based on leveraging expansion of footprint into higher growth markets § Continued investment in technology leads to superior client and advisor experience § Provides diversification in CNB’s revenue stream while supporting a broader spectrum of customer needs 34 Note: 2022 YTD as of June 30, 2022 AUM ($) Net Revenue Margin (%)

ALLOWANCE FOR CREDIT LOSSES (ACL) ALLOWANCE FOR CREDIT LOSSES TRENDS OBSERVATIONS § The company adopted the current expected credit loss (“CECL”) methodology in Q4 2020 effective January 1, 2020 § ACL to Total Loans was 1.04% at June 30, 2022, compared to 1.03% and 1.02%, at December 31, 2021 and December 31, 2020, respectively § Our stable credit quality is driven by our consistent, disciplined underwriting standards and diversified loan portfolio § Maintained profitability through the Great Recession with net charge offs to average loans peaking at 0.56% in 2010 (1) (1) with ROAA of 0.87% and ROATCE of 13.10% reported for the same full year period HISTORICAL ACL ACTIVITY YEAR ENDED, QUARTER ENDED, (Dollars in Thousands) 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2021 3/31/2022 6/30/2022 Loan Loss Reserve ($000) Beginning Allowance $ 19,693 $ 19,704 $ 19,473 $ 34,340 $ 37,230 $ 37,588 $ 38,117 Impact of ASC 326 Adoption - - 4,963 - - - - Initial Allowance on Loans Purchased with Credit Deterioration - - 980 - - - - Charge-offs & Adj. 6,593 6,751 7,078 3,384 699 706 580 Recoveries 532 496 648 629 243 178 101 Provision 6,072 6,024 15,354 6,003 814 1,057 2,905 Ending Allowance $ 19,704 $ 19,473 $ 34,340 $ 37,588 $ 37,588 $ 38,117 $ 40,543 (1) Total loans excluding PPP and return on average tangible common equity are non-GAAP financial measures – see Appendix for reconciliations Note: Beginning with the quarter ended 12/31/20, the Company adopted ASU 2016-13, effective 1/1/2020. Although the Company’s adoption of CECL was effective 1/1/20, the results prior to 35 the quarter ended 12/31/20 were based on the incurred loss methodology and these results have not been restated to reflect the application of the CECL methodology

DIVIDEND HISTORY HISTORICAL DIVIDEND PER COMMON SHARE $0.800 $0.700 $0.600 $0.500 $0.400 $0.300 $0.200 $0.100 $0.000 COMMON DIVIDEND SPECIAL DIVIDEND § The Corporation’s long, uninterrupted history of dividends to its common shareholders reflects a key component of its Total Shareholder Return § Dividend yield of 2.87% as of June 30, 2022 § LTM ending June 30, 2022 dividend payout ratio of 21.0% 36 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 DOT-COM RECESSION 2001 2002 2003 2004 2005 2006 2007 THE GREAT 2008 RECESSION 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 COVID-19 PANDEMIC 2021 2022LTM

SECURITIES PORTFOLIO § Investment portfolio is comprised of 52% available-for-sale and 48% held-to-maturity, as of June 30, 2022, as part of a strategy to mitigate volatility in tangible common equity § Overall low credit risk profile with 80% of the portfolio comprised of government or government sponsored securities and residential & multi-family mortgage securities issued by government or government sponsored entities, as of June 30, 2022 § Shorter portfolio modified duration of 4.4 years enables CNB to reinvest cash flows to capitalize on higher interest rates (1) INVESTMENT PORTFOLIO 6/30/22 INVESTMENT PORTFOLIO DETAIL $1,000,000 State & Political Subdivisions $900,000 U.S. Government 13.5% Sponsored Entities $800,000 35.9% $700,000 $600,000 $500,000 $400,000 $300,000 Pooled SBA $200,000 1.9% Residential & Multi-Family $100,000 Mortgage Corporate Notes & $- 43.8% Bonds 2018 2019 2020 2021 2022YTD 4.9% Available-for-sale Held-to-maturity 37 (1) Amortized cost; Dollars in thousands

(1) MARKETS – STAFFING DETAIL 6/30/22 NEW MARKETS – SALES VS 6/30/22 STAFFING LEGACY VS NEW MARKETS SUPPORT NEW MARKET NEW SUPPORT STAFF MARKET 21% 34% LEGACY MARKET NEW MARKET 66% SALES STAFF 79% § Growth markets provide expanded § Innovative technology and processes opportunities for attracting skilled allow support staff the ability to work talent remote and throughout our markets § Geographical diversification § Geographical diversification leads to strengthens disaster recovery diversity in employees and supports infrastructure and processes CNB’s core values 38 (1) New markets include BankOnBuffalo, ERIEBANK – Northeast Ohio, FCBank and Southwest Virginia

APPENDIX OTHER RELEVANT INFORMATION

(1) NON-GAAP RECONCILIATION This presentation contains references to financial measures that are not defined in GAAP. Management uses non-GAAP financial information in its analysis of the Corporation’s performance. Management believes that these non-GAAP measures provide a greater understanding of ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and charges in the periods presented. The Corporation’s management believes that investors may use these non-GAAP measures to analyze the Corporation’s financial performance without the impact of unusual items or events that may obscure trends in the Corporation’s underlying performance. This non-GAAP data should be considered in addition to results prepared in accordance with GAAP, and is not a substitute for, or superior to, GAAP results. Limitations associated with non-GAAP financial measures include the risks that persons might disagree as to the appropriateness of items included in these measures and that different companies might calculate these measures differently. A reconciliation of these non-GAAP financial measures is provided below (dollars in thousands, except per share data). For the year ending December 31, Year-to-Date 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 6/30/2022 Net Income Available to Common $9,138 $9,622 $9,134 $5,235 $8,512 $11,316 $15,104 $17,136 $16,679 $23,074 $22,197 $20,540 $23,860 $33,719 $40,081 $31,596 $53,405 $28,533 Average Tangible Common Equity $58,391 $59,829 $60,078 $55,413 $55,253 $86,526 $111,390 $129,983 $133,013 $149,638 $167,637 $178,014 $198,324 $210,590 $246,161 $296,142 $329,012 $331,780 Return on Average Tangible Common Equity (non-GAAP) 15.65% 16.08% 15.20% 9.45% 15.41% 13.08% 13.56% 13.18% 12.54% 15.42% 13.24% 11.54% 12.03% 16.01% 16.28% 10.67% 16.23% 17.34% For the year ending December 31, Year-to-Date Quarter-Date 2018 2019 2020 2021 6/30/2022 6/30/2021 6/30/2022 Non-Interest Expense $79,342 $87,508 $107,326 $116,433 $64,501 $26,965 $32,609 LESS: Core Deposit Intangible Amortization 898 567 206 107 50 28 25 Adjusted Non-Interest Expense (non-GAAP) $78,444 $86,941 $107,120 $116,326 $64,451 $26,937 $32,584 Non-Interest Income $20,723 $25,975 $28,059 $33,434 $17,800 $7,857 $8,146 Net Interest Income $104,920 $116,198 $134,711 $159,780 $88,918 $38,305 $46,301 LESS: Tax Exempt Investment and Loan Income, net of TEFRA (non-GAAP) 6,572 6,664 5,703 4,973 2,535 1,221 1,208 ADD: Tax Exempt Investment and Loan Income (non-GAAP) (tax-equivalent) 8,759 8,946 7,490 6,416 3,252 1,576 1,549 Adjusted Net Interest Income (non-GAAP) 107,107 118,480 136,498 161,223 89,635 38,660 46,642 Adjusted Net Revenue (non-GAAP) (tax-equivalent) $127,830 $144,455 $164,557 $194,657 $107,435 $46,517 $54,788 Efficiency Ratio 61.37% 60.19% 65.10% 59.76% 59.99% 57.91% 59.47% 40 (1) Figures in thousands

(1) NON-GAAP RECONCILIATION For the year ending December 31, Year-to-Date Quarter-to-Date 12/31/2018 12/31/2019 12/31/2020 12/31/2021 6/30/2022 6/30/2021 6/30/2022 Interest Income $131,870 $155,728 $167,167 $179,600 $95,995 $43,528 $49,741 LESS: Interest Expense 26,950 39,530 32,456 19,820 7,077 5,223 3,440 Net Interest Income 104,920 116,198 134,711 159,780 88,918 38,305 46,301 Average Total Earning Assets $2,815,215 $3,194,911 $4,092,076 $4,768,040 $4,974,964 $4,734,660 $4,967,597 Net Interest Margin (annualized) 3.73% 3.64% 3.29% 3.35% 3.60% 3.25% 3.74% Interest Income $131,870 $155,728 $167,167 $179,600 $95,995 $43,528 $49,741 ADD: Tax Equivalent Adjustment 1,448 1,476 1,361 953 650 308 306 Adjusted Interest Income (fully tax equivalent basis) (non-GAAP) 133,318 157,204 168,528 180,553 96,645 43,836 50,047 LESS: Interest Expense 26,950 39,530 32,456 19,820 7,077 5,223 3,440 Net Interest Income (fully tax equivalent basis) (non-GAAP) 106,368 117,674 136,072 160,733 89,568 38,613 46,607 Average Total Earning Assets $2,815,215 $3,194,911 $4,092,076 $4,768,040 $4,974,964 $4,734,660 $4,967,597 (ADD) LESS: Average Mark to Market Adjustment on Investments (5,827) 5,631 18,884 9,879 (24,101) 9,238 (37,519) Adjusted Total Earning Assets 2,821,042 3,189,280 4,073,192 4,758,161 4,999,065 4,725,422 5,005,116 Net Interest Margin, fully tax equivalent basis (non-GAAP) (annualized) 3.77% 3.69% 3.34% 3.38% 3.61% 3.28% 3.73% For the year ending December 31, Quarter-Date 2018 2019 2020 2021 6/30/2021 6/30/2022 Gross Loans Held for Investment $2,474,557 $2,804,035 $3,371,789 $3,634,792 $3,469,845 $3,909,753 LESS: PPP Loans 0 0 155,529 45,203 139,653 2,287 Total Loans (Ex. PPP) (non-GAAP) $2,474,557 $2,804,035 $3,216,260 $3,589,589 $3,330,192 $3,907,466 41 (1) Figures in thousands

(1) NON-GAAP RECONCILIATION For the year ending December 31, Quarter-Date 2013 2014 2015 2016 2017 2018 2019 2020 2021 6/30/2021 6/30/2022 Total Common Equity $164,911 $188,548 $201,913 $211,784 $243,910 $262,830 $304,966 $358,352 $385,062 $372,164 $365,803 Goodwill $27,194 $27,194 $27,194 $38,730 $38,730 $38,730 $38,730 $43,749 $43,749 $43,749 $43,749 Other Intangibles $4,583 $3,403 $2,396 $2,854 $1,625 $727 $160 $567 $460 $511 $410 LESS: Total Intangible Assets $31,777 $30,597 $29,590 $41,584 $40,355 $39,457 $38,890 $44,316 $44,209 $44,260 $44,159 Tangible Common Equity $133,134 $157,951 $172,323 $170,200 $203,555 $223,373 $266,076 $314,036 $340,853 $327,904 $321,644 Total Assets $2,131,289 $2,189,213 $2,285,136 $2,573,821 $2,768,773 $3,221,521 $3,763,659 $4,729,399 $5,328,939 $5,148,334 $5,299,315 Goodwill $27,194 $27,194 $27,194 $38,730 $38,730 $38,730 $38,730 $43,749 $43,749 $43,749 $43,749 Other Intangibles $4,583 $3,403 $2,396 $2,854 $1,625 $727 $160 $567 $460 $511 $410 LESS: Total Intangible Assets $31,777 $30,597 $29,590 $41,584 $40,355 $39,457 $38,890 $44,316 $44,209 $44,260 $44,159 Tangible Assets $2,099,512 $2,158,616 $2,255,546 $2,532,237 $2,728,418 $3,182,064 $3,724,769 $4,685,083 $5,284,730 $5,104,074 $5,255,156 Tangible Common Equity / Tangible Assets (non-GAAP) 6.34% 7.32% 7.64% 6.72% 7.46% 7.02% 7.14% 6.70% 6.45% 6.42% 6.12% Tangible Book Value Per Share $ 9.23 $ 10.97 $ 11.96 $ 11.76 $ 13.33 $ 14.69 $ 17.45 $ 18.66 $ 20.22 $ 19.45 $ 19.08 42 (1) Figures in thousands