CNB Financial is a Pennsylvania-based community bank holding company whose core business is CNB Bank, a full-service commercial bank. CNB Bank offers standard retail and commercial banking products — checking, savings, and time deposits; real estate, commercial, industrial, residential, and consumer loans; and wealth management through its Private Client Solutions division. CNB Bank operates 75 full-service branches across Pennsylvania, Ohio, New York, and Virginia, organized under several regional brands: CNB Bank (Central and North Central PA), ERIEBANK (Erie, PA and Northeast Ohio), FCBank (Central Ohio), BankOnBuffalo (Western New York), Ridge View Bank (Southwest Virginia), and ESSA Bank (Northeastern PA), acquired in July 2025. Impressia Bank is a division focused on women business owners that operates within the existing branch footprint. CNB Financial also owns Holiday Financial Services, which makes small-balance consumer loans to higher-risk borrowers through nine offices. CNB Financial earns money primarily through net interest income — taking in deposits and lending at higher rates. Fee income from deposit service charges and wealth management is secondary. CNB Financial has grown mainly through acquisitions of community banks in adjacent markets, absorbing each into CNB Bank while preserving local brand identities. CNB Financial has also grown organically by opening de novo branches in Ohio and Virginia.