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Clarion County Community Bank

$100M-$1B Specialty: Commercial PA FDIC cert 57624

Clarion, PA

5 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +2.8% year over year ($234.6M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 0.55%.
  • Efficiency ratio 79.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.17% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Clarion County Community Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 25.5% in tier
  • - Credit Risk Growth: Bottom 40.0% in tier
  • - ROA 0.77% below tier average
  • - Net Interest Margin 0.18% below tier average
  • - Efficiency Ratio 15.19% above tier average
Get updates when Clarion County Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $261.6M
+4.9% YoY +0.7% QoQ
-$125.0M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $218.6M
+4.6% YoY -0.3% QoQ
-$39.8M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $234.6M
+2.8% YoY -2.0% QoQ
-$92.2M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 0.55%
+210.9% YoY +9.8% QoQ
-0.77% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 13.6% in tier
Net Interest Margin ? 3.81%
+17.3% YoY +2.9% QoQ
-0.18% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 79.67%
-15.2% YoY -1.3% QoQ
+15.19% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 14.1% in tier
Delinquency Rate ? 0.79%
+137.9% YoY +29.1% QoQ
-0.13% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 93.17%
+1.8% YoY +1.7% QoQ
+15.22% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 23.11%
+12.1% YoY +6.1% QoQ
+1.08% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
59%
Nonperforming Asset Ratio ? 0.66%
+137.3% YoY +26.2% QoQ
-0.01% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 10.60%
+4.6% YoY +2.6% QoQ
-5.31% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.09%
+0.4% YoY +122.0% QoQ
-0.48% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 23.1%
+2.5pp YoY
+1.3pp QoQ
 +1.0pp 22.1% 18.7% 22.2% 59%
Brokered Deposits 0.9%
-1.4pp YoY
-0.8pp QoQ
 -7.0pp 7.9% 6.8% 8.5% 17%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 8.8%
+0.1pp YoY
0.0pp QoQ
 -2.8pp 11.6% 8.6% 12.5% 45%
CRE 43.7%
+0.5pp YoY
-1.0pp QoQ
 +4.1pp 39.5% 37.9% 41.4% 60%
1-4 Family 45.3%
-0.2pp YoY
+1.0pp QoQ
 +12.6pp 32.6% 47.8% 31.3% 77%
Consumer 2.4%
-0.2pp YoY
+0.1pp QoQ
 -1.7pp 4.1% 3.8% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 10.6%
+0.5pp YoY
+0.3pp QoQ
 -8.2pp 18.8% 22.3% 19.7% 5%
Leverage Ratio 8.0%
0.0pp YoY
+0.2pp QoQ
 -4.2pp 12.2% 13.2% 12.6% 2%
Total Capital Ratio 11.4%
+0.5pp YoY
+0.3pp QoQ
 -8.5pp 19.9% 23.3% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 48
+1 (+2.1%) YoY
0 QoQ
 -11 58 299 482 50%
Assets per Employee ($) $5.5M
+2.7% YoY
+0.7% QoQ
 -$2.1M $7.5M $9.2M $8.8M 22%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.8%
+0.5pp YoY
+0.2pp QoQ
 -0.1pp 0.9% 0.9% 1.0% 65%
Allowance Coverage 0.94x
-56.9% YoY
-18.5% QoQ
 -23.21x 24.15x 3.63x 20.23x 25%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 8.3%
+5.6pp YoY
+0.6pp QoQ
 -3.9pp 12.2% 10.2% 11.6% 27%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
-0.1pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 84%
Net Income ($, YTD) $721,000
+236.9% YoY
— QoQ
 -$1.8M $2.6M $18.2M $40.4M 17%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#177 of 691 • Bottom 25.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.17%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#375 of 936 • Bottom 40.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2285
Return on Assets
profitability
Value: 0.55%
Peer Median: 1.32%
#2285 of 2643 Bottom 13.6% in $100M-$1B
2271
Efficiency Ratio
profitability
Value: 79.67%
Peer Median: 64.48%
#2271 of 2643 Bottom 14.1% in $100M-$1B
2232
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2232 of 2643 Bottom 15.6% in $100M-$1B
2160
Tier 1 Capital Ratio
capital
Value: 10.60%
Peer Median: 15.91%
#2160 of 2643 Bottom 18.3% in $100M-$1B
2118
Loan-to-Deposit Ratio
liquidity
Value: 93.17%
Peer Median: 77.95%
#2118 of 2643 Bottom 19.9% in $100M-$1B
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