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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.07% | 0.07% | 0.18% | 0.23% | 0.35% | 0.50% | 0.55% | +37 bps | |
| Return on Equity | 1.45% | 0.98% | 1.11% | 2.71% | 3.61% | 5.38% | 7.70% | 8.32% | +561 bps | |
| Net Interest Margin | 2.74% | 2.77% | 2.90% | 2.90% | 2.91% | 2.95% | 3.39% | 3.50% | +60 bps | |
| Efficiency Ratio | 97.98% | 98.40% | 97.91% | 93.93% | 91.43% | 88.06% | 80.75% | 79.67% | -1,426 bps | |
| Non-Interest Burden | 2.68% | 2.72% | 2.84% | 2.72% | 2.64% | 2.58% | 2.71% | 2.75% | +3 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 / Loans | 0.35% | 0.41% | 0.16% | 0.33% | 0.68% | 0.58% | 0.61% | 0.78% | +45 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.77% | 0.74% | 0.72% | 0.70% | 0.66% | 0.70% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.9x | 4.5x | 2.2x | 1.0x | 1.1x | 1.2x | 0.9x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.51% | 8.41% | 8.24% | 8.03% | 7.81% | 7.67% | 7.84% | 8.01% | -1 bps | |
| Total Risk-Based Capital | 11.75% | 11.58% | 10.96% | 10.89% | 10.66% | 10.75% | 11.09% | 11.41% | +52 bps | |
| Equity / Assets | 7.24% | 6.77% | 6.51% | 6.31% | 6.31% | 6.40% | 6.60% | 6.81% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.04% | 90.15% | 91.51% | 92.17% | 90.57% | 94.09% | 92.26% | 93.87% | +170 bps | |
| Liquid Assets / Assets | 0.88% | 0.64% | 0.51% | 0.31% | 1.43% | 1.32% | 0.16% | 0.66% | +35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 480% | 467% | n/a | n/a | |