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CCNE on Nasdaq

CNB FINANCIAL CORP/PA

CNB FINANCIAL CORP/PA is an American state commercial bank, incorporated in Pennsylvania.1 It is headquartered in Clearfield, Pennsylvania.1 Its shares trade on Nasdaq under the symbol CCNE.1

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Last updated Oct 21, 2026.

Overview

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  • TickerCCNE on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersClearfield, Pennsylvania1
  • Incorporated inPA2
  • Business address1 South Second Street, P.O. Box 42, Clearfield, Pa 168302
  • Filer categoryAccelerated filer2

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CNB Financial Corporation (the "Corporation") is a financial holding company registered under the Bank Holding Company Act of 1956, as amended (the "BHC Act"). It was incorporated under the laws of the Commonwealth of Pennsylvania in 1983 for the purpose of engaging in the business of a financial holding company. On April 26, 1984, the Corporation acquired all of the outstanding capital stock of County National Bank, a national banking chartered institution. In December 2006, County National Bank changed its name to CNB Bank (the "Bank") and became a state bank chartered in Pennsylvania and subject to regulation by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation. In October 2013, the Corporation acquired FC Banc Corp. and its subsidiary, The Farmers Citizens Bank. In July 2016, the Corporation acquired Lake National Bank, and in July 20…3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income45678$66.1M in 2025+65% since 2019
0$20.0M$40.0M$60.0M$80.0M2019: $40.1M$40.1M20192020: $32.7M$32.7M2020−18%2021: $57.7M$57.7M2021+76%2022: $63.2M$63.2M2022+9%2023: $58.0M$58.0M2023−8%2024: $54.6M$54.6M2024−6%2025: $66.1M$66.1M2025+21%

Every line of the income statement as filed: the last 3 fiscal years (annual) or 8 quarters (quarterly), latest first.8

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$350.9M$293.5M$273.2M
Taxable$40.0M$30.9M$19.3M
Tax-exempt$603.0K$636.0K$724.0K
Dividends$820.0K$375.0K$470.0K
Total interest and dividend income$392.3M$325.5M$293.7M
Deposits$140.6M$133.5M$97.8M
Borrowed funds and finance lease liabilities$5.5M$11.0K$1.8M
Subordinated debentures (includes $0, $0, and $(151) accumulated other comprehensive income reclassification for change in fair value of interest rate swap agreements, respectively)$4.3M$4.5M$4.3M
Total interest expense$150.3M$138.0M$103.9M
NET INTEREST INCOME$242.0M$187.5M$189.8M
PROVISION FOR CREDIT LOSS EXPENSE$8.9M$9.2M$6.0M
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSS EXPENSE$233.2M$178.2M$183.8M
Service charges on deposit accounts$7.8M$7.0M$7.4M
Other service charges and fees$1.9M$3.0M$3.0M
Wealth and asset management fees$10.2M$7.8M$7.3M
Net realized gains on available-for-sale securities (includes $1,168, $74, and $52 accumulated other comprehensive income reclassifications for net realized gains on available-for-sale securities, respectively)$1.2M$74.0K$52.0K
Net realized and unrealized gains (losses) on equity securities$1.3M$754.0K-$387.0K
Mortgage banking$756.0K$673.0K$676.0K
Bank owned life insurance$4.8M$3.1M$2.9M
Card processing and interchange income$9.2M$8.7M$8.3M
Other non-interest income$3.1M$8.0M$4.1M
Total non-interest income$40.2M$39.1M$33.3M
Compensation and benefits (includes $(257), $(168), and $(174) accumulated other comprehensive income reclassifications for net amortization of actuarial (gains) losses, respectively)$89.7M$74.5M$71.1M
Net occupancy expense$18.2M$14.7M$14.5M
Amortization of core deposit intangible$1.8M$73.0K$84.0K
Technology expense$23.7M$21.8M$20.2M
State and local taxes$5.3M$4.7M$4.1M
Legal, professional and examination fees$4.5M$4.2M$4.4M
Advertising$2.8M$2.5M$3.1M
FDIC insurance$4.1M$3.7M$3.9M
Card processing and interchange expenses$5.2M$4.6M$5.0M
Other non-interest expenses$21.7M$19.1M$18.9M
Merger and integration costs$13.8M$0$0
Total non-interest expenses$190.9M$150.0M$145.3M
INCOME BEFORE INCOME TAXES$82.5M$67.4M$71.8M
INCOME TAX EXPENSE (includes $299, $51, and $79 income tax expense reclassification items, respectively)$16.3M$12.8M$13.8M
NET INCOME$66.1M$54.6M$58.0M
PREFERRED STOCK DIVIDENDS$4.3M$4.3M$4.3M
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS$61.8M$50.3M$53.7M
Basic Earnings Per Common Share (in dollars per share)$2.50$2.39$2.56
Diluted Earnings Per Common Share (in dollars per share)$2.49$2.39$2.55
Cash dividends declared (in dollars per share)$0.72$0.71$0.70
Net change in unrealized gains on available-for-sale securities, net of reclassification and tax$13.5M$1.7M$6.1M
Amortization of unrealized gains from held-to-maturity securities, net of tax$475.0K$545.0K$591.0K
Change in actuarial gains (losses), for post-employment health care plan, net of amortization and tax-$506.0K$245.0K-$139.0K
Change in actuarial losses, for pension plan, net of tax-$565.0K$0$0
Change in fair value of interest rate swap agreements designated as a cash flow hedge, net of interest and tax$0$0-$119.0K
Total other comprehensive income$12.9M$2.5M$6.4M
COMPREHENSIVE INCOME$79.0M$57.1M$64.5M
Accumulated other comprehensive income reclassification for change in fair value of interest rate swap agreements$0$0-$151.0K
Accumulated other comprehensive income reclassifications for net realized gains on available-for-sale securities$1.2M$74.0K$52.0K
Accumulated other comprehensive income reclassifications on employee benefits-$257.0K-$168.0K-$174.0K
Income tax expense$299.0K$51.0K$79.0K

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Corporate structure

CNB FINANCIAL CORP/PA sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CNB FINANCIAL CORP/PA

  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on CNB FINANCIAL CORP/PA, latest Mar 26, 2026 (3 filings since Nov 4, 2024)
  • Wellington Management Company Filed SCHEDULE 13G/A on CNB FINANCIAL CORP/PA, latest Feb 10, 2026 (5 filings since Feb 6, 2023)
  • BlackRock Filed SCHEDULE 13G/A on CNB FINANCIAL CORP/PA, latest Oct 17, 2025 (4 filings since Feb 1, 2022)
  • DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G on CNB FINANCIAL CORP/PA, latest Jul 15, 2025
  • CNB FINANCIAL CORP/PA Clearfield, Pennsylvania

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CNB FINANCIAL CORP/PA reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$201.8M8 Dec 31, 2025$152.1M8 Dec 31, 2024+32.6%
Accumulated depreciation$111.5M8 Dec 31, 2025$76.1M8 Dec 31, 2024+46.6%
Property and equipment, net$90.2M8 Dec 31, 2025$76.0M8 Dec 31, 2024+18.7%
Finance-lease assets$17.4M8 Dec 31, 2025$15.0M8 Dec 31, 2024+16.5%
Operating-lease assets (leased space)$40.9M8 Dec 31, 2025$37.8M8 Dec 31, 2024+8.2%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$527.9M8 Dec 31, 2025$443.0M8 Dec 31, 2024+19.2%
Debt securities available for sale$229.1M8 Jul 23, 2025$697.2M4 Dec 31, 2021−67.1%
Loans, net of allowance$6.4B8 Dec 31, 2025$4.6B8 Dec 31, 2024+40.9%
Deposits held (banks)$7.0B8 Dec 31, 2025$5.4B8 Dec 31, 2024+30.8%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$88.4M8 Dec 31, 2025$43.7M8 Dec 31, 2024+102.0%
Finite-lived intangibles, net$33.7M8 Dec 31, 2025$206.0K7 Dec 31, 2024+16255.8%

Properties, in its own words

The headquarters of the Corporation and the Bank are located at 1 South Second Street, Clearfield, Pennsylvania, in a building owned by the Corporation. The Bank operates 75 full-service offices at December 31, 2025. Of these 75 offices, 39 are owned and 35 are leased from independent owners and one is leased from the Corporation. Holiday has six full-service offices, of which five are leased from independent owners and one is leased from the Corporation. The CNB Bank franchise's primary market areas are the Pennsylvania counties of Blair, Cambria, Centre, Clearfield, Elk, Indiana, Jefferson, and McKean. ERIEBANK, a division of the Bank, operates in the Pennsylvania counties of Crawford, Erie, and Warren and in the Ohio counties of Ashtabula, Cuyahoga, Geauga, Lake, and Lorain. FCBank, a division of the Bank, operates in the Ohio counties of Crawford, Delaware, Franklin, Knox, Marion, Morrow and Richland. BankOnBuffalo, a division of the Bank, operates in the New York counties of Erie, Niagara, and Ontario. Ridge View Bank, a division of the Bank, operates in the Virginia counties of Botetourt, Craig, Franklin, Montgomery, and Roanoke. ESSA Bank, a division of the Bank, operates in the Pennsylvania counties of Delaware, Chester, Lackawanna, Lehigh, Luzerne, Monroe, and Northampton. Impressia Bank, a division of the Bank, operates in the Bank’s primary market areas. There are no encumbrances on the offices owned and the rental expense on the leased property is immaterial in relation to operating expenses. The initial lease terms range from one to twenty years.

Item 2 of the 10-K filed Mar 11, 2026.3

Leadership

Who has led CNB FINANCIAL CORP/PA, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. William F. Falger2006–2016
  2. Joseph B. Bower Jr.2010–2022
  3. Michael D. Peduzzi2022–now

President

  1. William F. Falger2006–2016
  2. Joseph B. Bower Jr.2010–2022
  3. Vincent C. Turiano2011
  4. Michael D. Peduzzi2021–now

Chief financial officer

  1. Brian William Wingard2014–2019
  2. Tito L. Lima2019–now

Chief operating officer

  1. Michael D. Peduzzi2021–2022
  2. Michael J. Noah2024–now
2010201520202025
Board members and other officers (46)

Timeline

  1. Oct 13, 20268-K Other events66
  2. Aug 11, 20268-K Other events67
  3. Jul 23, 20268-K Results of operations68
  4. Jul 14, 20268-K Other events69
  5. Jul 10, 20268-K Executive or director change70
  6. Jun 16, 20268-K Other events71
  7. Jun 10, 20268-K Other events72
  8. May 12, 20268-K Other events73
  9. Apr 22, 20268-K Shareholder vote74
  10. Apr 20, 20268-K Results of operations75
  11. Apr 20, 20268-K Regulation FD disclosure76
  12. Apr 14, 20268-K Other events77
  13. Sep 21, 2022New chief executive Michael D. Peduzzi becomes CEO13
  14. Jun 21, 2010New chief executive Joseph B. Bower Jr. becomes CEO14
  15. Mar 1, 2006New chief executive William F. Falger becomes CEO15

Calendar

Coming up

  1. Oct 29, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.82 a share, on Oct 30, 2025.78

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results68
  2. Apr 20, 2026Reported quarterly or annual results75
  3. Jan 27, 2026Reported quarterly or annual results79
  4. Oct 30, 2025Reported quarterly or annual results80
  5. Jul 22, 2025Reported quarterly or annual results81
  6. Apr 14, 2025Reported quarterly or annual results82
  7. Jan 28, 2025Reported quarterly or annual results83
  8. Oct 21, 2024Reported quarterly or annual results84

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

439 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 107 major events, 267 insider forms, 13 large holders, 32 other. The latest 20:

  1. Oct 13, 20268-K EDGAR
  2. Aug 11, 20268-K EDGAR
  3. Aug 5, 20264 EDGAR
  4. Aug 5, 202610-Q EDGAR
  5. Jul 23, 20268-K EDGAR
  6. Jul 14, 20268-K EDGAR
  7. Jul 10, 2026EFFECT EDGAR
  8. Jul 10, 20268-K EDGAR
  9. Jul 8, 2026S-3/A EDGAR
  10. Jun 26, 2026S-3 EDGAR
  11. Jun 17, 20264 EDGAR
  12. Jun 16, 20268-K EDGAR
  13. Jun 10, 20268-K EDGAR
  14. Jun 8, 20264 EDGAR
  15. May 12, 20268-K EDGAR
  16. May 6, 202610-Q EDGAR
  17. May 1, 20264 EDGAR
  18. Apr 28, 20264 EDGAR
  19. Apr 27, 20264 EDGAR
  20. Apr 22, 20268-K EDGAR

The 439 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

99 open-market trades by officers, directors and large owners since October 2021: 79 buys and 20 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 5, 2026Peduzzi Michael DPresident & CEOBuy1,100$35.37$38.9KForm 4
Jun 4, 2026Mink RobinEVP/Chief TM OfficerSale104$30.53$3.2KForm 4
Apr 30, 2026PONTZER DEBORAH DICKDirectorSale244$30.55$7.5KForm 4
Apr 27, 2026Higgins Carla M.SVP/Strategic Project ManagerSale1,300$30.45$39.6KForm 4
Apr 24, 2026Peduzzi Michael DPresident & CEOBuy1,000$30.35$30.4KForm 4
Mar 13, 2026Scott Nicholas N. Jr.DirectorBuy375$27.05$10.1KForm 4
Feb 23, 2026Mink RobinEVP/Chief TM OfficerSale144$27.70$4.0KForm 4
Feb 23, 2026Wilcoxson Angela D.EVP/Chief Commercial BankingSale329$27.70$9.1KForm 4
Feb 23, 2026Griffith Martin T.SEVP/Chief Revenue OfficerSale535$27.70$14.8KForm 4
Feb 23, 2026Shilling Steven REVP/Chief Wealth Mngt OfficerSale313$27.70$8.7KForm 4
Jan 30, 2026Wilcoxson Angela D.EVP/Chief Commercial BankingSale614$27.70$17.0KForm 4
Jan 30, 2026Shilling Steven REVP/Chief Wealth Mngt OfficerSale595$27.70$16.5KForm 4
Jan 30, 2026Peduzzi Michael DPresident & CEOBuy900$27.30$24.6KForm 4
Jan 30, 2026POWELL JEFFREY SDirectorBuy975$27.28$26.6KForm 4
Dec 12, 2025Olson Gary SDirectorSale25,000$27.75$693.8KForm 4
Dec 5, 2025Henning Daniel JDirectorSale4,374$26.80$117.2KForm 4
Nov 5, 2025Peduzzi Michael DPresident & CEOBuy1,100$24.63$27.1KForm 4
Aug 12, 2025Andersen Anna KSVP & Chief Risk OfficerBuy42$23.54$989Form 4
Aug 12, 2025POWELL JEFFREY SDirectorBuy1,245$23.36$29.1KForm 4
Aug 11, 2025POWELL JEFFREY SDirectorBuy480$22.57$10.8KForm 4

All 99 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Michael D. Peduzzi60$654.0K$1.5M89
2025Martin T. Griffith63$382.0K$968.4K89
2025Tito L. Lima61$359.0K$927.6K89
2025Michael J. Noah51$350.0K$617.9K89
2025Angela D. Wilcoxson55$347.0K$583.3K89
2024President and Chief Executive Officer of CNB;Chief Executive Officer of CNB Bank$623.0K$1.2M89
2024Senior Executive Vice President andChief Revenue Officer of CNB Bank$370.0K$1.2M89
2024Chief Financial Officer andTreasurer of CNB; Senior Executive Vice President and Chief Financial Officer of CNB Bank$348.0K$765.4K89
2024Executive Vice PresidentChief Commercial Banking Officer of CNB Bank$336.0K$475.9K89
2023President and Chief Executive Officer of CNB;Chief Executive Officer of CNB Bank$623.0K$1.2M89
2023Senior Executive Vice President andChief Revenue Officer of CNB Bank$351.0K$663.7K89
2023Chief Financial Officer andTreasurer of CNB; Senior Executive Vice President and Chief Financial Officer of CNB Bank$330.0K$634.2K89

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Wellington Management Group Llp2,424,759$81.7M0.0%−87,448
BlackRock, Inc.2,314,194$78.0M0.0%+225,091
Dimensional Fund Advisors LP1,562,773$52.7M0.0%+56,780
Vanguard Capital Management LLC1,258,510$42.4M0.0%−28,184
Davis Asset Management, L.P.950,000$32.0M0.8%No change
Geode Capital Management, LLC942,210$31.8M0.0%+135,086
State Street Corp909,863$30.7M0.0%+292,071
American Century Companies Inc819,910$27.6M0.0%+210,544
Stieven Capital Advisors, L.P.434,673$14.7M2.8%−23,900
Maltese Capital Management LLC422,100$14.2M2.6%−27,372
Ameriprise Financial Inc421,190$14.2M0.0%+45,352
Hotchkis & Wiley Capital Management LLC337,695$11.4M0.0%+1,550
Royce & Associates LP281,628$9.5M0.1%+57,897
Northern Trust Corp280,129$9.4M0.0%+33,455
Arrowstreet Capital, Limited Partnership272,853$9.2M0.0%−19,220
Jpmorgan Chase & Co259,753$8.8M0.0%−16,971
Vanguard Portfolio Management LLC256,530$8.6M0.0%+28,425
Charles Schwab Investment Management Inc249,432$8.4M0.0%+12,510
Bridgeway Capital Management, LLC248,411$8.4M0.1%+8,446
Manufacturers Life Insurance Company, The227,448$7.7M0.0%−1,709
Banc Funds Co LLC222,375$7.5M1.2%No change
Morgan Stanley208,008$7.0M0.0%−12,577
Nuveen, LLC198,676$6.7M0.0%+91,940
Vanguard Fiduciary Trust Co193,380$6.5M0.0%+4,109
Petiole USA ltd189,241$6.4M4.6%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How CNB FINANCIAL CORP/PA is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCNB FINANCIAL CORP/PA1
  • CIK0000736772
  • Employer ID (EIN)25-14506053
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company3
  • Incorporated inPennsylvania3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1 South Second Street, P.O. Box 42, Clearfield, PA 168301
  • Phone81476596211
  • Shares outstanding29,620,885 as of Aug 5, 202610
  • Public float$458.5M as of Jun 30, 20253
  • AuditorForvis Mazars, LLP, Indianapolis, IN PCAOB ID 686; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceMay 15, 19951
  • Filings1,665 in all: 4 (849), 8-K (407), 10-Q (95), 5 (43), 3 (34), DEF 14A (30), 10-K (29), 4/A (24)1
    All 41 form types

    SC 13G/A (20), CORRESP (15), UPLOAD (13), EFFECT (10), 8-K/A (9), 424B5 (8), 424B3 (7), 425 (7), SC 13G (7), S-3 (6), S-4/A (6), ARS (5), FWP (4), PRE 14A (4), S-4 (4), S-3/A (3), S-8 (3), SCHEDULE 13G/A (3), 10-K/A (2), 10-K405 (2), D (2), S-3D (2), SCHEDULE 13G (2), 10-Q/A (1), 144 (1), 3/A (1), 8-A12B (1), CERT (1), DEFA14A (1), DEFR14A (1), POS AM (1), S-3DPOS (1), S-3MEF (1)

  • Latest filingsAnnual report (10-K) Mar 11, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Mar 16, 2026
    Latest 8-K (8-K) Oct 13, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, no par valueCCNEThe NASDAQ Stock Market LLC
Depositary Shares (each representing a 1/40th interest in a share of 7.125% Series A Non-Cumulative, perpetual preferred stock)CCNEPThe NASDAQ Stock Market LLC

From the cover page of the 10-K filed Mar 11, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks CNB FINANCIAL CORP/PA names in Item 1A of its 10-K filed Mar 11, 2026: 26 risks under these headings, as written.3

  • Economic Risks
  • Economic conditions could adversely affect our business and financial results.
  • The Corporation may not be able to meet its cash flow needs on a timely basis at a reasonable cost, and the Corporation’s cost of funds for banking operations may significantly increase as a result of general economic conditions, interest rates and competitive pressures.
  • Credit and Interest Rate Risks
  • The Bank’s allowance for credit losses may not be adequate to cover loan losses which could have a material adverse effect on the Corporation’s business, financial condition and results of operations.
  • Interest rate volatility could significantly reduce the Corporation’s profitability.
  • The Corporation’s investment securities portfolio is subject to credit risk, market risk, and liquidity risk, and declines in value in its investment securities portfolio may require it to record impairment charges that could have a material adverse effect on its results of operations and financial condition.
  • A substantial decline in the value of the Bank’s FHLB common stock may adversely affect the Corporation’s results of operations, liquidity and financial condition.
  • If the capitalization of the FHLB of Pittsburgh is substantially diminished, the Bank’s liquidity may be adversely impacted if it is not able to obtain alternative sources of funding.
  • The Bank could be held responsible for environmental liabilities relating to properties acquired through foreclosure, resulting in significant financial loss.
  • Risks Related to an Investment in the Corporation’s Securities
  • Some provisions contained in the Corporation’s articles of incorporation and its bylaws and under Pennsylvania law could deter a takeover attempt or delay changes in control or management of the Corporation.
The other 17 risks
  • The price of the Corporation’s common stock may fluctuate significantly, and this may make it difficult for you to resell shares of common stock owned by you at times or at prices you find attractive.
  • The Corporation’s ability to pay dividends is limited by law and regulations.
  • Operational and Strategic Risks
  • The Bank’s loans are principally concentrated in certain areas of Pennsylvania, Ohio, New York and Virginia, and adverse economic conditions in those markets could adversely affect the Corporation’s business, financial condition and results of operations.
  • Severe weather, flooding and other effects of climate change and other natural disasters, such as earthquakes, could adversely affect our financial condition, results of operations or liquidity.
  • The Corporation depends on the accuracy and completeness of information about customers and counterparties.
  • The risks presented by acquisitions could adversely affect our financial condition and results of operations.
  • Strong competition within the Corporation’s markets and technological change may have a material adverse impact on its profitability.
  • The soundness of other financial institutions with which the Corporation does business could adversely affect the Corporation’s business, financial condition or results of operations.
  • The Corporation’s operations may be adversely affected if its external vendors do not perform as expected or if its access to third-party services is interrupted.
  • A failure in or breach of the Corporation’s or any of its subsidiaries’ information technology network and systems, or those of third party vendors and other service providers, including as a result of cyber attacks, could disrupt the Corporation’s or any of its subsidiaries’ businesses, result in the unauthorized disclosure or misuse of confidential or proprietary information, damage its reputation, increase its costs, and/or cause losses.
  • A pandemic and measures intended to prevent its spread, could have a material adverse effect on our business, results of operations, cash flows, and financial condition.
  • Our business and financial performance could be adversely affected, directly or indirectly, by terrorist activities, international hostilities or domestic civil unrest.
  • Our use of AI could expose us to various risks.
  • Risks Related to Legal and Compliance Matters
  • The Corporation is subject to extensive government regulation and supervision, which may affect its ability to conduct its business and may negatively impact its financial results.
  • Federal and state governments could pass legislation responsive to current credit conditions which could cause the Corporation to experience higher credit losses.
  • General Risk Factors
  • The Corporation relies on its management and other key personnel, and the loss of any of them may adversely affect its operations.
  • The Corporation's risk management framework may not be effective in mitigating risk and loss.

Legal proceedings

There are no material pending legal proceedings to which the Corporation or any of its subsidiaries is a party, or of which any of their properties is the subject, except ordinary routine proceedings which are incidental to the business.

The opening of Item 3, Legal Proceedings.3

Sources

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  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52
  53. 53
  54. 54
  55. 55
  56. 56
  57. 57
  58. 58
  59. 59
  60. 60
  61. 61
  62. 62
  63. 63
  64. 64
  65. 65
  66. 66
    SEC EDGAROther events
  67. 67
    SEC EDGAROther events
  68. 68
  69. 69
    SEC EDGAROther events
  70. 70
  71. 71
    SEC EDGAROther events
  72. 72
    SEC EDGAROther events
  73. 73
    SEC EDGAROther events
  74. 74
  75. 75
  76. 76
  77. 77
    SEC EDGAROther events
  78. 78
  79. 79
  80. 80
  81. 81
  82. 82
  83. 83
  84. 84
  85. 85
  86. 86
  87. 87
  88. 88
  89. 89