CB Financial Services is a Pennsylvania-based bank holding company that operates Community Bank, a Pennsylvania-chartered commercial bank serving southwestern Pennsylvania and West Virginia through 12 branch locations and a loan production office. The bank generates revenue primarily through interest income on a diversified lending portfolio that includes residential and commercial real estate mortgages, construction loans, commercial and industrial loans, and consumer loans, as well as through deposit spreads and ancillary fee income. The bank attracts and retains customers through relationship-based service, competitive deposit rates, local market expertise, and an emphasis on digital banking capabilities, competing with regional and online financial institutions in a region characterized by natural gas development activity.