CNB Bank

Headquarters: Clearfield, Pennsylvania
Charter: Bank
Assets: $8.4B
Fed district: Philadelphia

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 7, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 7, 2026

How these figures are measured

Call-report figures are for CNB Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	CNB Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 7, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: CNB Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $2.0M in Q2 2026, 21% above the same quarter a year earlier ($1.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Wire Transfer (Domestic Out)
CNB Bank: $30
CNB Bank: $30
U.S. median: no median
Stop Payment
CNB Bank: $32
CNB Bank: $32
U.S. median: no median
Wire Transfer (Int'l Out)
CNB Bank: $70
CNB Bank: $70
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 9.5% from Q3 2025 to Q2 2026, to $2.0M.

Service-charge income, Q2 2026

$2.0M

$2.2MQ3 2025

$2.2MQ4 2025

$2.0MQ1 2026

$2.0MQ2 2026

Against the median

CNB BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

CNB Bank · $8.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 22 states.

Banks only
$7.5B to $9.4B in assets
Headquartered in 22 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
CNB Bank(this institution)	Clearfield, PA	$8.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
1st Source Bank	South Bend, IN	$9.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Savings Bank, National Association	Honolulu, HI	$9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
b1BANK	Baton Rouge, LA	$8.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bangor Savings Bank	Bangor, ME	$7.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Colorado	Fort Collins, CO	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bankers Trust Company	Des Moines, IA	$7.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Central Pacific Bank	Honolulu, HI	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Equity Bank	Andover, KS	$7.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First American Bank	Elk Grove Village, IL	$8.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Security Bank	Searcy, AR	$8.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Forbright Bank	Potomac, MD	$8.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hanmi Bank	Los Angeles, CA	$8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank	Olympia, WA	$8.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kearny Bank	Kearny, NJ	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank	Middletown, CT	$9.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northpointe Bank	Grand Rapids, MI	$7.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ocean Bank	Miami, FL	$7.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pinnacle Bank	Lincoln, NE	$9.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ridgewood Savings Bank	Ridgewood, NY	$7.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Salem Five Cents Savings Bank	Salem, MA	$8.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southside Bank	Tyler, TX	$8.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Stockman Bank of Montana	Miles City, MT	$7.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tompkins Community Bank	Ithaca, NY	$8.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wells Fargo National Bank West	Las Vegas, NV	$8.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Woodforest National Bank	The Woodlands, TX	$9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

CNB Bank does not publish a monthly maintenance fee in the index.

The peer median is $9.95 among 19 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

CNB Bank does not publish a monthly maintenance fee, so it is not on this chart.

CNB BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for CNB Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $2.0M
vs prior quarter: −$24K−1.2%; from Q1 2026
vs a year earlier: +$354K+21.4%; from Q2 2025
vs start of range: +$220K+12.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: CNB Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$2.0M	−$24K	−1.2%
Q1 2026	$2.0M	−$175K	−7.9%
Q4 2025	$2.2M	−$13K	−0.6%
Q3 2025	$2.2M	+$566K	+34.2%
Q2 2025	$1.7M	−$58K	−3.4%
Q1 2025	$1.7M	+$2K	+0.1%
Q4 2024	$1.7M	−$78K	−4.4%
Q3 2024	$1.8M	−$4K	−0.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from CNB Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$7

Overdraft & NSF

Overdraft Transfer from a Deposit$12
Overdraft Transfer from a Line$15

ATM & Card

Replacement Debit Card$8
Expedited Debit Card Replacement$43
per item
International ATM or Debit Card (audience not stated, treated as personal)3%

Wire Transfers

Wire Transfer – Outgoing Domestic$30
Wire Transfer – Incoming$10
Wire Transfer – Incoming$17
Wire Transfer – Outgoing International$70

Check Services

Cashier’s Check$10
Money Order$6
Stop Payment$32
Counter Check$2

Cash & Deposit

Returned Deposited ItemsNo charge
Returned Deposited Items$15

Account Services

Box Drilling or Relock$125
Not compared: Box drilling or key fee
Replacement Key$25
Not compared: Box drilling or key fee

Retirement & IRA

IRA or HSA Termination or Transfer$60

Fee	Amount	Basis	Note
Account Maintenance
Account Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$7	Not stated	None
Overdraft & NSF
Overdraft Transfer from a Deposit	$12	Not stated	None
Overdraft Transfer from a Line	$15	Not stated	None
ATM & Card
Replacement Debit Card	$8	Not stated	None
Expedited Debit Card Replacement	$43	per item	None
International ATM or Debit Card (audience not stated, treated as personal)	3%	Not stated	None
Wire Transfers
Wire Transfer – Outgoing Domestic	$30	Not stated	None
Wire Transfer – Incoming	$10	Not stated	None
Wire Transfer – Incoming	$17	Not stated	None
Wire Transfer – Outgoing International	$70	Not stated	None
Check Services
Cashier’s Check	$10	Not stated	None
Money Order	$6	Not stated	None
Stop Payment	$32	Not stated	None
Counter Check	$2	Not stated	None
Cash & Deposit
Returned Deposited Items	No charge	Not stated	None
Returned Deposited Items	$15	Not stated	None
Account Services
Box Drilling or Relock	$125Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$25Not compared: Box drilling or key fee	Not stated	None
Retirement & IRA
IRA or HSA Termination or Transfer	$60	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Dormant Account$10
per month

Wire Transfers

Wire Transfer – Outgoing$40

Digital & Electronic

Standard plus: Limited ACH origination with 2$15
Not compared: Monthly charge, not per item
per month

Account Services

Garnishment/Levy/Freeze Order/Writ$65
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Wire Transfers
Wire Transfer – Outgoing	$40	Not stated	None
Digital & Electronic
Standard plus: Limited ACH origination with 2	$15Not compared: Monthly charge, not per item	per month	None
Account Services
Garnishment/Levy/Freeze Order/Writ	$65Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where CNB Bank operates, and what regulators and customers have on file.

Market position

In Buffalo-Cheektowaga, NY, CNB Bank holds 1.5% of bank deposits, #8 of 20, with 15 offices.

Compare fees with the 52 Buffalo-Cheektowaga, NY banks and credit unions in its home-metro peer set →

Offices in the metro

362 offices of 98 institutions shown.

CNB BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Buffalo-Cheektowaga, NY metro (FDIC metro code 15380), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 3 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Manufacturers and Traders Trust Company63.6%
2KeyBank National Association11.4%
3HSBC Bank USA, National Association5.1%
4Bank of America, National Association4.5%
5Northwest Bank4.0%
6Citizens Bank, National Association3.9%
7NBT Bank, National Association2.5%
8CNB Bank1.5%

8 of 20 institutions shown. $67.0B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Buffalo-Cheektowaga, NY metro (FDIC metro code 15380)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2017 to 2026

June 2026: 1.5% share, 15 offices, #8 of 20

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2017 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2017 to 2026
Area: Buffalo-Cheektowaga, NY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

133 offices of 79 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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