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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 $5.2MQ3 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 0.60%, up 33 bps year over year; NIM at 3.59%.
  • 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 (quarter, annualized)

0.60%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+59 bps YoY

Efficiency Ratio (quarter, annualized)

78.65%-1,161 bps YoY

Tier 1 Leverage Ratio

8.01%-1 bps YoY

NIM

5.18%Q2 ’245.35%Q2 ’255.62%Q2 ’26+7%+20%

Non-interest income vs. expense

2.96%Q2 ’242.90%Q2 ’252.98%Q2 ’26-3%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%-0.03%0.07%0.28%0.34%0.66%0.50%0.60%+33 bps
Return on Equity1.86%-0.46%1.11%4.30%5.42%10.46%7.70%8.97%+467 bps
Net Interest Margin2.78%2.82%2.90%3.00%3.14%3.31%3.39%3.59%+59 bps
Efficiency Ratio95.42%99.61%97.91%90.27%86.98%79.42%80.75%78.65%-1,161 bps
Non-Interest Burden2.64%2.81%2.84%2.69%2.70%2.59%2.71%2.78%+9 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 / Loans0.05%0.06%0.00%0.00%0.04%0.04%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