Risk factors

CNB Financial (CCNE) risk factors

Item 1A of every CNB Financial Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    25 risks, 5 dropped, 2 reworded since the prior year. The company removed all merger-related risk factors involving ESSA after dropping the transaction, while retaining general regulatory and AI risks.

    Filed Mar 11, 2026
  • FY2024 10-K risk factors

    30 risks. Geographic loan concentration in Pennsylvania, Ohio, New York, and Virginia drives regional economic exposure.

    Filed Mar 06, 2025