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
Unfavorable gap of $7.3M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.72% | 1.07% | 1.45% | Beats 17% | 626 / 752 | |
| Return on Equity | 8.09% | 6.78% | 10.58% | 13.65% | Beats 34% | 496 / 752 | |
| Net Interest Margin | 3.50% | 3.18% | 3.69% | 4.17% | Beats 39% | 457 / 752 | |
| Efficiency Ratio | 79.67% | 55.75% | 64.49% | 75.47% | Beats 18% | 616 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.42% | 1.03% | Beats 33% | 502 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 10.60% | 11.55% | 13.75% | 17.60% | Beats 15% | 639 / 752 | |
| Total Risk-Based Capital Ratio | 11.41% | 11.70% | 14.33% | 18.47% | Beats 22% | 588 / 752 | |
| Equity / Assets | 6.81% | 8.93% | 10.56% | 13.13% | Beats 5% | 713 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 93.87% | 62.23% | 78.64% | 91.26% | 80th pctl | 150 / 752 | |
| Loans / Assets | 84.17% | 54.61% | 67.41% | 76.47% | 93rd pctl | 54 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |