Clarion, PA · Cert 57624 · CCCB Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
68
Profitability
37
Liquidity
42
Efficiency
24
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.
Clarion, PA · Cert 57624 · CCCB Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Erie, PA · 2026 SOD (annual) · 0.3% share · #10 of 11 inst. · $0.0B of $7.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.07% | 0.07% | 0.18% | 0.23% | 0.35% | 0.50% | 0.55% | +37 bps | |
| Return on Equity | 1.45% | 0.98% | 1.11% | 2.71% | 3.61% | 5.38% | 7.70% | 8.32% | +561 bps | |
| Net Interest Margin | 2.74% | 2.77% | 2.90% | 2.90% | 2.91% | 2.95% | 3.39% | 3.50% | +60 bps | |
| Efficiency Ratio | 97.98% | 98.40% | 97.91% | 93.93% | 91.43% | 88.06% | 80.75% | 79.67% | -1,426 bps | |
| Non-Interest Burden | 2.68% | 2.72% | 2.84% | 2.72% | 2.64% | 2.58% | 2.71% | 2.75% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.79% | 3.28% | 7.33% | 7.63% | 12.32% | 14.27% | 6.27% | 4.90% | -273 bps | |
| Loan Growth (YoY) | 6.64% | 4.53% | 10.27% | 10.44% | 14.42% | 15.72% | 8.11% | 4.65% | -579 bps | |
| Deposit Growth (YoY) | 10.61% | 10.59% | 10.73% | 11.05% | 15.02% | 10.88% | 7.23% | 2.76% | -829 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.41% | 0.16% | 0.33% | 0.68% | 0.58% | 0.61% | 0.78% | +45 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.77% | 0.74% | 0.72% | 0.70% | 0.66% | 0.70% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.9x | 4.5x | 2.2x | 1.0x | 1.1x | 1.2x | 0.9x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.51% | 8.41% | 8.24% | 8.03% | 7.81% | 7.67% | 7.84% | 8.01% | -1 bps | |
| Total Risk-Based Capital | 11.75% | 11.58% | 10.96% | 10.89% | 10.66% | 10.75% | 11.09% | 11.41% | +52 bps | |
| Equity / Assets | 7.24% | 6.77% | 6.51% | 6.31% | 6.31% | 6.40% | 6.60% | 6.81% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.04% | 90.15% | 91.51% | 92.17% | 90.57% | 94.09% | 92.26% | 93.87% | +170 bps | |
| Liquid Assets / Assets | 0.88% | 0.64% | 0.51% | 0.31% | 1.43% | 1.32% | 0.16% | 0.66% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 480% | 467% | n/a | n/a | |
Clarion, PA · Cert 57624 · Peer group: banks under $1B in assets (n=581-629) · CCCB Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.55%
Rank 489 of 629
Net Interest Margin
3.50%
Rank 329 of 629
Efficiency Ratio
79.67%
Rank 480 of 629
Equity / Assets
6.81%
Rank 601 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.60% | 1.01% | 1.45% | Beats 22% | 489 / 629 | ||
| Return on Equity | 8.09% | 5.38% | 9.30% | 13.28% | Beats 41% | 371 / 629 | ||
| Net Interest Margin | 3.50% | 3.03% | 3.54% | 4.05% | Beats 48% | 329 / 629 | ||
| Efficiency Ratio | 79.67% | 58.35% | 67.79% | 79.08% | Beats 24% | 480 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.46% | 1.20% | Beats 36% | 371 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.60% | 11.24% | 13.84% | 18.77% | Beats 17% | 520 / 629 | ||
| Total Risk-Based Capital Ratio | 11.41% | 11.58% | 14.43% | 19.66% | Beats 23% | 484 / 629 | ||
| Equity / Assets | 6.81% | 9.09% | 10.65% | 13.80% | Beats 4% | 601 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.87% | 67.24% | 80.90% | 93.48% | 76th pctl | 140 / 594 | ||
| Loans / Assets | 84.17% | 53.31% | 67.71% | 78.15% | 90th pctl | 63 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||