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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 assets3

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 (n=570 to 617). 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

24

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 2026-10-11

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 $5.2MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $180.4M23%Noninterest $54.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.07%0.07%0.18%0.23%0.35%0.50%0.55%+37 bps
Return on Equity1.45%0.98%1.11%2.71%3.61%5.38%7.70%8.32%+561 bps
Net Interest Margin2.74%2.77%2.90%2.90%2.91%2.95%3.39%3.50%+60 bps
Efficiency Ratio97.98%98.40%97.91%93.93%91.43%88.06%80.75%79.67%-1,426 bps
Non-Interest Burden2.68%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 / Loans0.35%0.41%0.16%0.33%0.68%0.58%0.61%0.78%+45 bps
Net Charge-Offs / Loans0.01%0.02%0.00%0.00%0.01%0.02%0.00%0.00%0 bps
Allowance / Loans0.76%0.77%0.74%0.72%0.70%0.66%0.70%0.74%+2 bps
Allowance Coverage of NPLs2.2x1.9x4.5x2.2x1.0x1.1x1.2x0.9x-1.2x
Capital
Tier 1 Leverage Ratio8.51%8.41%8.24%8.03%7.81%7.67%7.84%8.01%-1 bps
Total Risk-Based Capital11.75%11.58%10.96%10.89%10.66%10.75%11.09%11.41%+52 bps
Equity / Assets7.24%6.77%6.51%6.31%6.31%6.40%6.60%6.81%+50 bps
Liquidity & Funding
Loans / Deposits91.04%90.15%91.51%92.17%90.57%94.09%92.26%93.87%+170 bps
Liquid Assets / Assets0.88%0.64%0.51%0.31%1.43%1.32%0.16%0.66%+35 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Clarion County Community Bank

Clarion, PA · Cert 57624 · Peer group: banks under $1B in assets (n=570-617) · 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 (rank 160 of 570).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets (rank 588 of 617).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.55%

Rank 480 of 617

Net Interest Margin

3.50%

Rank 328 of 617

Efficiency Ratio

79.67%

Rank 470 of 617

Equity / Assets

6.81%

Rank 588 of 617

Non-interest income vs. expense

$0.5M$7.8MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 24% of banks under $1B in assets
Bank 79.67%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.55%0.60%1.01%1.45%Beats 22%480 / 617
Return on Equity8.09%5.30%9.43%13.30%Beats 40%369 / 617
Net Interest Margin3.50%3.04%3.54%4.05%Beats 47%328 / 617
Efficiency Ratio79.67%58.03%67.76%79.08%Beats 24%470 / 617
Asset Quality
Nonperforming Loans / Loans0.78%0.09%0.47%1.27%Beats 37%361 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio10.60%11.18%13.83%18.55%Beats 18%508 / 617
Total Risk-Based Capital Ratio11.41%11.56%14.39%19.39%Beats 23%473 / 617
Equity / Assets6.81%9.03%10.55%13.63%Beats 5%588 / 617
Liquidity & Funding
Loans / Deposits93.87%64.77%79.70%93.06%77th pctl133 / 582
Loans / Assets84.17%51.70%67.18%77.51%91st pctl56 / 617
Brokered Deposits / Depositsn/aNot reported for this institution