BlastPoint's Banking Scorecard
Clarion County Community Bank
Clarion, PA
5 branches across PA
Clarion County Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 36.4% in tier
- - ROA 0.77% below tier average
- - Net Interest Margin 0.23% below tier average
- - Efficiency Ratio 15.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.7M
+6.3% YoY
-2.5% QoQ
|
-$126.4M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$219.3M
+8.1% YoY
-1.2% QoQ
|
-$36.4M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$239.4M
+7.2% YoY
+0.8% QoQ
|
-$88.6M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
0.50%
+578.7% YoY
+44.1% QoQ
|
-0.77% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.3% in tier |
| Net Interest Margin ? |
3.70%
+16.2% YoY
+9.0% QoQ
|
-0.23% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
80.75%
-17.5% YoY
-8.3% QoQ
|
+15.46% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate ? |
0.61%
+274.6% YoY
+5.0% QoQ
|
-0.28% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
91.61%
+0.9% YoY
-2.0% QoQ
|
+14.97% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
21.78%
+3.9% YoY
+0.1% QoQ
|
-0.24% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.52%
+285.8% YoY
+4.6% QoQ
|
-0.12% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.33%
+1.3% YoY
+3.0% QoQ
|
-5.50% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.1% in tier |
| Non-Interest Income / Assets ? |
0.04%
+5.0% YoY
-77.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.3% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.