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Clarion County Community Bank

Clarion, PA · Cert 57624 · CCCB Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

14

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

18

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Clarion County Community Bank

Clarion, PA · Cert 57624 · CCCB Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$261.6MAssets
$220.2MLoans
$234.6MDeposits
$17.8MEquity
Loan mix
89%RE $195.2M9%C&I $19.3M2%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $180.4M23%Noninterest $54.2MQ2 2025Q2 2026

NIM

5.07%Q2 ’245.22%Q2 ’255.60%Q2 ’26+4%+20%

Non-interest income vs. expense

2.92%Q2 ’242.89%Q2 ’252.93%Q2 ’26-2%+1%

Market Position · Erie, PA · 2026 SOD (annual) · 0.3% share · #10 of 11 inst. · $0.0B of $7.6B

18.4% Clarion
3.3% Venango
0.3% Erie

Executive Summary

  • Earnings: ROA of 0.55%, up 37 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.78% of loans (+45 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.01%, down 1 bps from a year ago.
  • Funding: loans stand at 93.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+60 bps YoY

Efficiency Ratio (YTD, annualized)

79.67%-1,426 bps YoY

Tier 1 Leverage Ratio

8.01%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.23%0.35%0.50%0.55%+37 bps
Return on Equity2.71%3.61%5.38%7.70%8.32%+561 bps
Net Interest Margin2.90%2.91%2.95%3.39%3.50%+60 bps
Efficiency Ratio93.93%91.43%88.06%80.75%79.67%-1,426 bps
Non-Interest Burden2.72%2.64%2.58%2.71%2.75%+3 bps
Growth
Asset Growth (YoY)7.63%12.32%14.27%6.27%4.90%-273 bps
Loan Growth (YoY)10.44%14.42%15.72%8.11%4.65%-579 bps
Deposit Growth (YoY)11.05%15.02%10.88%7.23%2.76%-829 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.68%0.58%0.61%0.78%+45 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.00%0.00%0 bps
Allowance / Loans0.72%0.70%0.66%0.70%0.74%+2 bps
Allowance Coverage of NPLs2.2x1.0x1.1x1.2x0.9x-1.2x
Capital
Tier 1 Leverage Ratio8.03%7.81%7.67%7.84%8.01%-1 bps
Total Risk-Based Capital10.89%10.66%10.75%11.09%11.41%+52 bps
Equity / Assets6.31%6.31%6.40%6.60%6.81%+50 bps
Liquidity & Funding
Loans / Deposits92.17%90.57%94.09%92.26%93.87%+170 bps
Liquid Assets / Assets0.31%1.43%1.32%0.16%0.66%+35 bps
CRE / Total Capitaln/a472%480%467%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Clarion County Community Bank

Clarion, PA · Cert 57624 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · CCCB Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$261.6MAssets
$220.2MLoans
$234.6MDeposits
$17.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 713 of 752).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.55%

Rank 626 of 752

Net Interest Margin

3.50%

Rank 457 of 752

Efficiency Ratio

79.67%

Rank 616 of 752

Equity / Assets

6.81%

Rank 713 of 752

Non-interest income vs. expense

$0.5M$7.8MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state
Bank 79.67%Peer median 64.5%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.72%1.07%1.45%Beats 17%626 / 752
Return on Equity8.09%6.78%10.58%13.65%Beats 34%496 / 752
Net Interest Margin3.50%3.18%3.69%4.17%Beats 39%457 / 752
Efficiency Ratio79.67%55.75%64.49%75.47%Beats 18%616 / 752
Asset Quality
Nonperforming Loans / Loans0.78%0.09%0.42%1.03%Beats 33%502 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%182 / 748
Capital
Tier 1 Capital Ratio10.60%11.55%13.75%17.60%Beats 15%639 / 752
Total Risk-Based Capital Ratio11.41%11.70%14.33%18.47%Beats 22%588 / 752
Equity / Assets6.81%8.93%10.56%13.13%Beats 5%713 / 752
Liquidity & Funding
Loans / Deposits93.87%62.23%78.64%91.26%80th pctl150 / 752
Loans / Assets84.17%54.61%67.41%76.47%93rd pctl54 / 752
Brokered Deposits / Depositsn/aNot reported for this institution