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Community Bank, The

Zanesville, OH · Cert 5981 · Communitybanc Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank, The

Zanesville, OH · Cert 5981 · Communitybanc Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$680.1MAssets
$480.0MLoans
$599.5MDeposits
$70.2MEquity
Loan mix
83%RE $393.3M7%C&I $35.4M9%Consumer $44.5MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $447.6M25%Noninterest $151.9MQ2 2025Q2 2026

NIM

4.84%Q2 ’245.03%Q2 ’255.18%Q2 ’26+9%+11%

Non-interest income vs. expense

3.07%Q2 ’242.95%Q2 ’253.17%Q2 ’26-2%+7%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.1% share · #40 of 53 inst. · $0.1B of $124.6B

22.9% Muskingum
10.5% Perry
4.5% Guernsey
0.7% Licking

Executive Summary

  • Earnings: ROA of 1.16%, up 21 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.23% of loans (-19 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.58%, up 85 bps from a year ago.
  • Funding: loans stand at 80.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+38 bps YoY

Efficiency Ratio (YTD, annualized)

68.51%-157 bps YoY

Tier 1 Leverage Ratio

10.58%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.02%1.09%1.11%1.16%+21 bps
Return on Equity10.46%11.09%11.68%11.14%11.47%+101 bps
Net Interest Margin3.31%3.38%3.44%3.60%3.69%+38 bps
Efficiency Ratio70.07%69.10%67.97%68.84%68.51%-157 bps
Non-Interest Burden2.10%2.10%2.08%2.22%2.25%+15 bps
Growth
Asset Growth (YoY)10.11%3.47%3.39%-0.29%-0.85%-1,095 bps
Loan Growth (YoY)2.19%3.12%2.81%3.05%3.60%+142 bps
Deposit Growth (YoY)9.54%2.65%1.86%-2.02%-2.53%-1,207 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.41%0.27%0.24%0.23%-19 bps
Net Charge-Offs / Loans0.02%0.03%-0.03%0.12%0.08%+5 bps
Allowance / Loans0.99%0.99%1.06%1.02%0.99%0 bps
Allowance Coverage of NPLs2.3x2.4x3.9x4.2x4.3x+1.9x
Capital
Tier 1 Leverage Ratio9.72%9.95%10.10%10.31%10.58%+85 bps
Total Risk-Based Capital16.72%16.94%17.07%16.90%17.19%+47 bps
Equity / Assets9.34%9.53%9.94%9.97%10.32%+98 bps
Liquidity & Funding
Loans / Deposits75.33%74.89%76.25%77.38%80.07%+474 bps
Liquid Assets / Assets1.60%1.57%1.56%1.56%1.55%-4 bps
CRE / Total Capitaln/a206%202%206%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank, The

Zanesville, OH · Cert 5981 · Peer group: banks under $1B in assets in OH (n=68-71) · Communitybanc Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$680.1MAssets
$480.0MLoans
$599.5MDeposits
$70.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 66% of banks under $1B in assets in OH (rank 24 of 71).
  • Widest gap: net charge-offs / loans trails 78% of banks under $1B in assets in OH (rank 54 of 68).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.17%

Rank 27 of 71

Net Interest Margin

3.69%

Rank 27 of 71

Efficiency Ratio

68.93%

Rank 34 of 71

Equity / Assets

10.32%

Rank 38 of 71

Non-interest income vs. expense

$6.3M$21.7MINCOMEEXPENSE
Unfavorable gap of $15.4M · efficiency ratio beats 54% of banks under $1B in assets in OH
Bank 68.93%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.62%1.02%1.39%Beats 62%27 / 71
Return on Equity11.31%5.62%10.07%13.60%Beats 59%29 / 71
Net Interest Margin3.69%2.93%3.56%4.07%Beats 62%27 / 71
Efficiency Ratio68.93%55.94%70.77%78.80%Beats 54%34 / 71
Asset Quality
Nonperforming Loans / Loans0.23%0.08%0.27%0.97%Beats 53%33 / 68
Net Charge-Offs / Loans0.05%n/a0.00%0.05%Beats 22%54 / 68
Capital
Tier 1 Capital Ratio16.09%11.18%13.77%20.34%Beats 65%25 / 71
Total Risk-Based Capital Ratio17.19%12.08%14.34%21.24%Beats 66%24 / 71
Equity / Assets10.32%8.41%10.74%13.32%Beats 46%38 / 71
Liquidity & Funding
Loans / Deposits80.07%64.48%76.81%87.49%62nd pctl26 / 68
Loans / Assets70.59%55.33%65.58%72.51%66th pctl24 / 71
Brokered Deposits / Depositsn/aNot reported for this institution