Community Bank
Carmichaels, PA · Cert 7848 · Peer group: banks $1B-$10B in assets (n=322-328) · CB Financial Services Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.4BDeposits
$169.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of banks $1B-$10B in assets (rank 99 of 322).
- Widest gap: efficiency ratio trails 73% of banks $1B-$10B in assets (rank 239 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.02%
Rank 222 of 328
Net Interest Margin
3.46%
Rank 162 of 328
Efficiency Ratio
66.42%
Rank 239 of 328
Equity / Assets
10.25%
Rank 171 of 328
Non-interest income vs. expense
Unfavorable gap of $36.9M · efficiency ratio beats 27% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.91% | 1.22% | 1.52% | Beats 32% | 222 / 328 | |
| Return on Equity | 9.94% | 8.43% | 11.45% | 14.43% | Beats 35% | 214 / 328 | |
| Net Interest Margin | 3.46% | 3.03% | 3.45% | 3.83% | Beats 51% | 162 / 328 | |
| Efficiency Ratio | 66.42% | 51.61% | 59.56% | 67.53% | Beats 27% | 239 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.24% | 0.51% | 1.03% | Beats 70% | 99 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 65% | 116 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.22% | 11.75% | 13.15% | 15.47% | Beats 64% | 118 / 328 | |
| Total Risk-Based Capital Ratio | 15.18% | 12.63% | 14.15% | 16.46% | Beats 64% | 119 / 328 | |
| Equity / Assets | 10.25% | 9.15% | 10.33% | 12.01% | Beats 48% | 171 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 85.10% | 76.63% | 87.92% | 95.36% | 43rd pctl | 185 / 323 | |
| Loans / Assets | 71.22% | 65.18% | 74.15% | 79.98% | 41st pctl | 195 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |