CNB Bank Shares, Inc. serves as the holding company for CNB Bank & Trust, N.A., which offers comprehensive banking services to both individual and corporate clients across south-central Illinois, the suburban southwestern Chicago region, and the St. Louis metropolitan area. Its financial offerings encompass a full range of deposit products, including checking and savings accounts, certificates of deposit (CDs), time deposits, and Individual Retirement Accounts (IRAs). The bank extends a diverse portfolio of lending options, such as residential mortgages, construction and home equity loans, consumer installment and student loans, as well as various business and agricultural financing solutions. These include commercial real estate, government-guaranteed, term business, working capital, small business, and general commercial loans, alongside lines of credit and letters of credit. Additionally, it facilitates equipment financing, business acquisition loans, and leasing services. Ancillary offerings comprise essential services such as overdraft protection, night depository, safe deposit boxes, cash management, wire transfers, cashier's checks, and notary services. Modern conveniences like gift cards, credit and debit cards, digital wallets, mobile check deposit, and comprehensive online and mobile banking are also available. Furthermore, the institution delivers specialized wealth management, farm management, and agricultural consulting services. Established in 1854, CNB Bank Shares, Inc. maintains its headquarters in Carlinville, Illinois.