CB Financial Services, Inc.

For the period ended Sep 30, 2026. Filed Nov 9, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Nov 9, 2026

CBFV$40.34-2.1%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Cash Flows

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)

Nine Months Ended September 30,	2026	2025
(Dollars in Thousands)
OPERATING ACTIVITIES
Net Income	$13,497	$164
Adjustments to Reconcile Net Income to Net Cash Provided By Operating Activities
Net Accretion on Securities	(1,063)	(165)
Depreciation and Amortization	1,717	1,349
(Recovery) Provision for Credit Losses - Loans	(14)	269
Provision (Recovery) for Credit Losses - Unfunded Commitments	204	(42)
Net Loss on Sale of Debt Securities	—	11,757
Net Loss on Sale of Equity Securities	—	13
Net Unrealized Loss Recognized on Equity Securities	45	51
Gain on Purchased Tax Credits	(31)	(11)
Income from Bank-Owned Life Insurance	(478)	(451)
Proceeds From Mortgage Loans Sold	2,513	5,229
Originations of Mortgage Loans for Sale	(2,430)	(4,740)
Net Gain on Sale of Loans	(83)	(99)
Noncash Expense for Stock-Based Compensation	739	610
Increase in Accrued Interest Receivable	(61)	(753)
(Benefit) Provision in Deferred Income Tax	(3,205)	3,508
Decrease in Taxes Payable	(7,124)	(448)
Decrease in Accrued Interest Payable	(320)	(527)
Other, Net	4,823	(2,934)
Net Cash Provided by Operating Activities	8,729	12,780
INVESTING ACTIVITIES
Investment Securities Available for Sale:
Proceeds From Principal Repayments and Maturities	56,537	28,583
Purchases of Securities	(134,730)	(149,336)
Proceeds from Sale of Securities	—	117,833
Proceeds from Sale of Equity Securities	—	1,680
Net Decrease (Increase) in Loans	269	(46,443)
Purchase of Premises and Equipment	(1,322)	(462)
Investment in Low Income Housing Tax Credit	(2,293)	(354)
Investment in Historical Tax Credit	(217)	—
Purchase of Restricted Equity Securities	(12,581)	(4,880)
Redemption of Restricted Equity Securities	8,548	4,928
Net Cash Used in Investing Activities	(85,789)	(48,451)
FINANCING ACTIVITIES
Net Increase in Deposits	1,099	50,903
Net Increase in Short-Term Borrowings	79,000	—
Principal Payments on Other Borrowed Funds	—	(20,000)
Proceeds From Other Borrowed Funds	—	20,000
Cash Dividends Paid	(4,254)	(3,832)
Treasury Stock, Purchases at Cost	(315)	(6,826)
Exercise of Stock Options	667	1,744
Net Cash Provided by Financing Activities	76,197	41,989
(Decrease) Increase in Cash and Due from Banks	(863)	6,318
CASH AND DUE FROM BANKS AT BEGINNING OF YEAR	31,693	49,572
CASH AND DUE FROM BANKS AT END OF PERIOD	$30,830	$55,890

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)

Nine Months Ended September 30,	2026	2025
(Dollars in Thousands)
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash Paid For:
Interest on Deposits and Borrowings (Including Interest Credited to Deposits of $17,559 and $18,307, Respectively)	$19,066	$19,525
Income Taxes	1,526	1,173
SUPPLEMENTAL NONCASH DISCLOSURE:
Transfer of Loans from Loans Held for Sale to Portfolio	—	403
Other Real Estate Acquired in Settlement of Loans	—	158
Securities Purchased Not Settled	—	4,013
Syndicated Loans Purchased and Sold Not Settled, net	—	4,000
Right of Use Asset Recognized	981	—
Unfunded Commitment in Low Income Housing Tax Credit	4,245	4,641
Unfunded Commitment in Historical Tax Credits	555	—

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.