Cnb Bank vs S&T Bank
Comparing a Bank in Clearfield, PA with a Bank in Indiana, PA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Cnb Bank ↗ Bank · Clearfield, PA · Est. 1934 | S&T Bank ↗ Bank · Indiana, PA · Est. 1902 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Clearfield, PA | Indiana, PA |
| Total assets | $8.5B | $9.9B |
| Capital ratio | 11.1% | 14.1% |
| Return on assets | 1.3% | 1.5% |
| Deposits | $7.3B | $8.2B |
| Branches | 82 | 76 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 110 | #3 of 110 |
| Established | 1934 | 1902 |
Cnb Bank
- Assets: $8.5B
- Deposits: $7.3B
- Capital ratio: 11.1%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #5 of 110
S&T Bank
- Assets: $9.9B
- Deposits: $8.2B
- Capital ratio: 14.1%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #3 of 110
Are both institutions federally insured?
Yes. Cnb Bank is FDIC-insured and S&T Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Cnb Bank or S&T Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Cnb Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Cnb Bank safe?
Yes — Cnb Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is S&T Bank safe?
Yes — S&T Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Cnb Bank vs S&T Bank?
Cnb Bank has a capital ratio of 11.1%, placing it in the top 37% of $1B–10B peers. S&T Bank's ratio is 14.1%, placing it in the top 9% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Cnb Bank have compared to S&T Bank?
The CFPB database shows 0 complaints against Cnb Bank, and 0 complaints against S&T Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Cnb Bank with other Banks in Pennsylvania
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
