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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.34% | 0.66% | 0.50% | 0.60% | +33 bps | |
| Return on Equity | 4.30% | 5.42% | 10.46% | 7.70% | 8.97% | +467 bps | |
| Net Interest Margin | 3.00% | 3.14% | 3.31% | 3.39% | 3.59% | +59 bps | |
| Efficiency Ratio | 90.27% | 86.98% | 79.42% | 80.75% | 78.65% | -1,161 bps | |
| Non-Interest Burden | 2.69% | 2.70% | 2.59% | 2.71% | 2.78% | +9 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 / Loans | 0.33% | 0.68% | 0.58% | 0.61% | 0.78% | +45 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.72% | 0.70% | 0.66% | 0.70% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.0x | 1.1x | 1.2x | 0.9x | -1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.03% | 7.81% | 7.67% | 7.84% | 8.01% | -1 bps | |
| Total Risk-Based Capital | 10.89% | 10.66% | 10.75% | 11.09% | 11.41% | +52 bps | |
| Equity / Assets | 6.31% | 6.31% | 6.40% | 6.60% | 6.81% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.17% | 90.57% | 94.09% | 92.26% | 93.87% | +170 bps | |
| Liquid Assets / Assets | 0.31% | 1.43% | 1.32% | 0.16% | 0.66% | +35 bps | |
| CRE / Total Capital | n/a | 472% | 480% | 467% | n/a | n/a | |