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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