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
Unfavorable gap of $15.4M · efficiency ratio beats 54% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.62% | 1.02% | 1.39% | Beats 62% | 27 / 71 | |
| Return on Equity | 11.31% | 5.62% | 10.07% | 13.60% | Beats 59% | 29 / 71 | |
| Net Interest Margin | 3.69% | 2.93% | 3.56% | 4.07% | Beats 62% | 27 / 71 | |
| Efficiency Ratio | 68.93% | 55.94% | 70.77% | 78.80% | Beats 54% | 34 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.08% | 0.27% | 0.97% | Beats 53% | 33 / 68 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.05% | Beats 22% | 54 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 16.09% | 11.18% | 13.77% | 20.34% | Beats 65% | 25 / 71 | |
| Total Risk-Based Capital Ratio | 17.19% | 12.08% | 14.34% | 21.24% | Beats 66% | 24 / 71 | |
| Equity / Assets | 10.32% | 8.41% | 10.74% | 13.32% | Beats 46% | 38 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 80.07% | 64.48% | 76.81% | 87.49% | 62nd pctl | 26 / 68 | |
| Loans / Assets | 70.59% | 55.33% | 65.58% | 72.51% | 66th pctl | 24 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |