Zanesville, OH · Cert 5981 · Communitybanc Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.1% share · #40 of 53 inst. · $0.1B of $124.6B
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 | 0.73% | 0.83% | 0.69% | 0.95% | 1.02% | 1.09% | 1.11% | 1.16% | +21 bps | |
| Return on Equity | 8.16% | 9.27% | 7.69% | 10.46% | 11.09% | 11.68% | 11.14% | 11.47% | +101 bps | |
| Net Interest Margin | 2.94% | 2.96% | 3.22% | 3.31% | 3.38% | 3.44% | 3.60% | 3.69% | +38 bps | |
| Efficiency Ratio | 75.39% | 72.77% | 76.79% | 70.07% | 69.10% | 67.97% | 68.84% | 68.51% | -157 bps | |
| Non-Interest Burden | 2.03% | 1.95% | 2.32% | 2.10% | 2.10% | 2.08% | 2.22% | 2.25% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.22% | 7.86% | 14.49% | 10.11% | 3.47% | 3.39% | -0.29% | -0.85% | -1,095 bps | |
| Loan Growth (YoY) | 2.97% | 2.19% | 3.75% | 2.19% | 3.12% | 2.81% | 3.05% | 3.60% | +142 bps | |
| Deposit Growth (YoY) | 14.01% | 13.31% | 14.63% | 9.54% | 2.65% | 1.86% | -2.02% | -2.53% | -1,207 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.53% | 0.45% | 0.42% | 0.41% | 0.27% | 0.24% | 0.23% | -19 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.01% | 0.02% | 0.03% | -0.03% | 0.12% | 0.08% | +5 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 0.99% | 0.99% | 1.06% | 1.02% | 0.99% | 0 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.9x | 2.2x | 2.3x | 2.4x | 3.9x | 4.2x | 4.3x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.62% | 9.72% | 9.72% | 9.95% | 10.10% | 10.31% | 10.58% | +85 bps | |
| Total Risk-Based Capital | 16.14% | 16.52% | 16.42% | 16.72% | 16.94% | 17.07% | 16.90% | 17.19% | +47 bps | |
| Equity / Assets | 8.82% | 8.96% | 8.96% | 9.34% | 9.53% | 9.94% | 9.97% | 10.32% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.55% | 75.54% | 73.57% | 75.33% | 74.89% | 76.25% | 77.38% | 80.07% | +474 bps | |
| Liquid Assets / Assets | 1.62% | 1.62% | 1.56% | 1.60% | 1.57% | 1.56% | 1.56% | 1.55% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 206% | 202% | 206% | n/a | n/a | |