C
CB Financial Services, Inc.
Period
FY 2025
Revenue
—
Net Income
$4.90M
Total Assets
$1.55B
Equity
$157.54M
Shares Out
5.07M
Op. Cash Flow
$17.81M
Business
CB Financial Services, Inc. is a bank holding company that conducts operations primarily through Community Bank, a Pennsylvania-chartered commercial bank. The company offers residential and commercial real estate loans, commercial and industrial loans, and consumer loans, along with deposit products for individuals and businesses. Community Bank operates branches in southwestern Pennsylvania and West Virginia, with a primary market in Allegheny, Fayette, Greene, Washington and Westmoreland Counties. The company also maintains an investment portfolio of U.S. government securities, municipal bonds, mortgage-backed securities, collateralized loan obligations and corporate debt.
Summary from 10-K filed 2026-03-13
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loans, Including Fees | 62 | 59 | 55 | 42 | 40 | |
| Taxable | 12 | 12 | 4 | 4 | 3 | |
| Tax-Exempt | 561,000 | 0 | 157,000 | 213,000 | 289,000 | |
| Dividends | 51,000 | 110,000 | 106,000 | 91,000 | 84,000 | |
| Other Interest and Dividend Income | 2 | 5 | 3 | 2 | 490,000 | |
| TOTAL INTEREST AND DIVIDEND INCOME | 76 | 76 | 62 | 48 | 44 | |
| Deposits | 23 | 28 | 16 | 4 | 3 | |
| Short-Term Borrowings | 199,000 | 0 | 32,000 | 63,000 | 98,000 | |
| Other Borrowings | 2 | 2 | 1 | 693,000 | 182,000 | |
| TOTAL INTEREST EXPENSE | 25 | 30 | 18 | — | — | |
| NET INTEREST AND DIVIDEND INCOME | 51 | 46 | 45 | 43 | 40 | |
| NET INTEREST AND DIVIDEND INCOME AFTER NET PROVISION FOR CREDIT LOSSES | 50 | 45 | 45 | 39 | 41 | |
| Net Gain on Sale of Loans | 105,000 | 52,000 | 0 | 0 | 1 | |
| Net (Loss) Gain on Investment Securities | −12 | 51,000 | −10 | −168,000 | 526,000 | |
| Net Gain on Purchased Tax Credits | 14,000 | 49,000 | 29,000 | 57,000 | 70,000 | |
| Gain on Sale of Subsidiary | 0 | 138,000 | — | — | — | |
| Net Gain on Disposal of Premises and Equipment | 40,000 | 274,000 | 11,000 | 431,000 | −3,000 | |
| Income from Bank-Owned Life Insurance | 603,000 | 594,000 | 576,000 | 561,000 | 553,000 | |
| Net Gain on Bank-Owned Life Insurance Claims | 0 | 915,000 | 303,000 | 0 | — | |
| Other Income | 1 | 1 | 535,000 | 176,000 | 320,000 | |
| TOTAL NONINTEREST INCOME (LOSS) | −7 | 5 | 24 | 10 | 16 | |
| Salaries and Employee Benefits | 22 | 19 | 22 | 18 | 20 | |
| Occupancy | 3 | 3 | 3 | 3 | 3 | |
| Equipment | 1 | 1 | 1 | 739,000 | 1 | |
| Data Processing | 3 | 3 | 3 | 2 | 2 | |
| Federal Deposit Insurance Corporation Assessment | 724,000 | 639,000 | 754,000 | 638,000 | 1 | |
| Pennsylvania Shares Tax | 948,000 | 1 | 889,000 | 979,000 | 887,000 | |
| Contracted Services | 2 | 2 | 1 | 2 | 4 | |
| Legal and Professional Fees | 1 | 985,000 | 1 | 1 | 994,000 | |
| Advertising | 566,000 | 484,000 | 426,000 | 527,000 | 749,000 | |
| Other Real Estate Owned | 65,000 | 50,000 | −115,000 | −151,000 | −183,000 | |
| Amortization of Intangible Assets | 0 | 1 | 2 | 2 | 2 | |
| Other Expense | 4 | 3 | 4 | 4 | 4 | |
| TOTAL NONINTEREST EXPENSE | 38 | 36 | 39 | 35 | 43 | |
| INCOME BEFORE INCOME TAX EXPENSE | 5 | 15 | 30 | 14 | 15 | |
| Income Tax Expense | 397,000 | 3 | 8 | 3 | 3 | |
| Net Income | 5 | 13 | 23 | 11 | 12 | |
| Basic (in dollars per share) | 0.97 | 2.45 | 4.41 | 2.19 | 2.15 | |
| Diluted (in dollars per share) | 0.92 | 2.38 | 4.4 | 2.18 | 2.15 | |
| Basic (in shares) | 5 | 5 | 5 | 5 | 5 | |
| Diluted (in shares) | 5 | 5 | 5 | 5 | 5 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Interest-Earning | 18 | 39 | 62 | 83 | 64 | |
| Noninterest-Earning | 13 | 10 | 6 | 21 | 56 | |
| Total Cash and Due From Banks | 32 | 50 | 68 | 104 | 120 | |
| Available-for-Sale Debt Securities, at Fair Value | 279 | 260 | 205 | 187 | 222 | |
| Equity Securities, at Fair Value | 909,000 | 3 | 3 | 3 | 3 | |
| Total Securities | 280 | 262 | 207 | 190 | 225 | |
| Loans Held for Sale | 0 | 900,000 | 0 | — | — | |
| Loans (Net of Allowance for Credit Losses of $10,116 and $9,805 at December 31, 2025 and 2024, Respectively) | 1,152 | 1,083 | 1,101 | 1,037 | 1,009 | |
| Premises and Equipment, Net | 20 | 21 | 20 | 18 | 18 | |
| Bank-Owned Life Insurance | 25 | 24 | 25 | 26 | 25 | |
| Goodwill | 10 | 10 | 10 | 10 | 10 | |
| Accrued Interest Receivable and Other Assets | 30 | 31 | 24 | 21 | 13 | |
| TOTAL ASSETS | 1,548 | 1,482 | 1,456 | 1,409 | 1,425 | |
| Noninterest-Bearing Demand Accounts | 292 | 268 | 278 | 390 | 386 | |
| Interest-Bearing Demand Accounts | 357 | 317 | 363 | 312 | 273 | |
| Money Market Accounts | 209 | 231 | 201 | 209 | 192 | |
| Savings Accounts | 169 | 171 | 195 | 248 | 239 | |
| Time Deposits | 312 | 297 | 231 | 109 | 137 | |
| Total Deposits | 1,340 | 1,284 | 1,267 | 1,269 | 1,227 | |
| Other Borrowed Funds | 35 | 35 | 35 | 15 | 18 | |
| Accrued Interest Payable and Other Liabilities | 16 | 16 | 14 | 8 | 9 | |
| TOTAL LIABILITIES | 1,390 | 1,334 | 1,316 | 1,299 | 1,292 | |
| Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,835,325 and 5,787,744 Shares Issued and 5,036,509 and 5,132,654 Shares Outstanding, Respectively | 2 | 2 | 2 | 2 | 2 | |
| Capital Surplus | 88 | 86 | 85 | 84 | 83 | |
| Retained Earnings | 91 | 91 | 83 | 64 | 58 | |
| Treasury Stock, at Cost (798,816 and 655,090 Shares, Respectively) | −20 | −15 | −15 | −14 | — | |
| Accumulated Other Comprehensive Loss | −3 | −17 | −17 | −26 | −927,000 | |
| TOTAL STOCKHOLDERS' EQUITY | 158 | 147 | 140 | 110 | 133 | |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 1,548 | 1,482 | 1,456 | 1,409 | 1,425 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Net Accretion on Securities | −373,000 | −694,000 | 30,000 | 66,000 | 52,000 | |
| Depreciation and Amortization | 2 | 2 | 3 | 3 | 2 | |
| Net Loss on Sale of Debt Securities | 12 | 0 | — | — | — | |
| Net Loss on Equity Securities | 13,000 | 0 | — | — | — | |
| Net Unrealized Loss (Gain) Recognized on Equity Securities | 37,000 | −51,000 | — | — | — | |
| Gain on Sale of Subsidiary | 0 | −138,000 | −25 | 0 | −5 | |
| Gain on Purchased Tax Credits | −14,000 | −49,000 | −29,000 | −57,000 | −70,000 | |
| Gain on BOLI Death Benefit Claims | 0 | −915,000 | 0 | — | — | |
| Proceeds From Mortgage Loans Sold | 5 | 5 | 2 | 0 | 13 | |
| Originations of Mortgage Loans for Sale | −5 | −6 | −2 | 0 | −13 | |
| Loss (Gain) on Sales of Other Real Estate Owned | 51,000 | 54,000 | −13,000 | −1,000 | −80,000 | |
| Noncash Expense for Stock-Based Compensation | 796,000 | 812,000 | 1 | 600,000 | 566,000 | |
| Increase in Accrued Interest Receivable | −788,000 | −500,000 | −1 | −633,000 | 522,000 | |
| Net Gain on Disposal of Premises and Equipment | −40,000 | −274,000 | −11,000 | −431,000 | 3,000 | |
| (Benefit) Provision in Deferred Income Tax | −65,000 | 191,000 | 382,000 | 535,000 | −248,000 | |
| Decrease in Taxes Payable | −2 | −4 | 4 | −5,000 | 2 | |
| (Decrease) Increase in Accrued Interest Payable | −475,000 | 682,000 | 1 | −131,000 | −281,000 | |
| Other, Net | 2 | −3 | −2 | −3 | 1 | |
| Net Cash Provided by Operating Activities | 18 | 7 | 14 | 14 | 13 | |
| Proceeds From Principal Repayments and Maturities | 38 | 15 | 16 | 29 | 38 | |
| Purchases of Securities | −169 | −70 | −100 | −27 | −135 | |
| Proceeds from Sales of Debt Securities | 118 | 0 | 69 | 0 | 12 | |
| Proceeds from Sale of Equity Securities | 2 | 0 | — | — | — | |
| Net (Increase) Decrease in Loans | −70 | 18 | −64 | −31 | 13 | |
| Purchase of Premises and Equipment | −650,000 | −3 | −3 | −509,000 | −2 | |
| Proceeds from Disposal of Premises and Equipment | 41,000 | 988,000 | 47,000 | 480,000 | 845,000 | |
| Proceeds From a Claim on Bank-Owned Life Insurance | 0 | 3 | 731,000 | 0 | — | |
| Investment in Low Income Housing Tax Credit | −957,000 | 0 | — | — | — | |
| Proceeds From Sales of Other Real Estate Owned | 107,000 | 258,000 | 142,000 | 37,000 | 325,000 | |
| Purchase of Restricted Equity Securities | −8 | 0 | — | — | — | |
| Redemption of Restricted Equity Securities | 8 | 291,000 | −596,000 | 654,000 | 582,000 | |
| Net Cash Used in Investing Activities | −83 | −36 | −55 | −28 | −60 | |
| Net Increase in Deposits | 56 | 16 | −1 | 42 | 105 | |
| Principal Payments on Other Borrowed Funds | −20 | 0 | 0 | −3 | — | |
| Proceeds from Other Borrowed Funds | 20 | 0 | 20 | 0 | — | |
| Cash Dividends Paid | −5 | −5 | −5 | −5 | −5 | |
| Treasury Stock, Purchases at Cost | −7 | −965,000 | −843,000 | −5 | −4 | |
| Exercise of Stock Options | 3 | 721,000 | 372,000 | 220,000 | 98,000 | |
| Net Cash Provided by Financing Activities | 47 | 11 | 5 | −2 | 6 | |
| Decrease in Cash and Due from Banks | −18 | −19 | −35 | −16 | −41 | |
| Interest on Deposits and Borrowings (Including Interest Credited to Deposit Accounts of $23,914 and $27,759, Respectively) | 26 | 29 | 16 | 5 | 4 | |
| Federal Income Taxes | 300,000 | 4 | — | — | — | |
| State Income Taxes | 1,000 | 2 | — | — | — | |
| Transfer of Loans from Loans Held for Sale to Portfolio | 404,000 | 0 | — | — | — | |
| Other Real Estate Acquired in Settlement of Loans | 158,000 | 150,000 | 410,000 | 0 | 73,000 | |
| "Right of Use (""ROU"") Asset Recognized" | 0 | 1 | 0 | 2 | 0 | |
| Unfunded Commitment in Low Income Housing Tax Credit | 4 | 5 | 0 | — | — |
Filings
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Frequently asked questions
What is CB Financial Services, Inc.'s CIK number?
CB Financial Services, Inc.'s SEC CIK number is 0001605301 (1605301). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find CB Financial Services, Inc.'s SEC filings?
All of CB Financial Services, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did CB Financial Services, Inc. last report earnings?
CB Financial Services, Inc. (CBFV) most recently filed an earnings 8-K with the SEC on Apr 22, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001605301-26-000018). This is CB Financial Services, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is CB Financial Services, Inc.'s most recent earnings 8-K?
CB Financial Services, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 22, 2026 under accession 0001605301-26-000018. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View CB Financial Services, Inc.'s latest earnings 8-K →
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