Clarion County Community Bank
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
$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 158 of 581).
- Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 601 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 24% of banks under $1B in assets | 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 |