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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