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The Community Bank

$100M-$1B Specialty: Commercial OH FDIC cert 5981

Zanesville, OH

10 branches across OH

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 96 in OH.
  • Deposits -2.5% year over year ($599.5M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 1.16%.
  • Efficiency ratio 68.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.28% 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 96 in OH
View $100M-$1B leaderboard (OH) →

The Community Bank has 1 strength but faces 4 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 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 34.8% in tier
  • - ROA 0.17% below tier average
  • - Net Interest Margin 0.06% below tier average
  • - Efficiency Ratio 4.03% above tier average
Get updates when The Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $680.1M
-0.8% YoY -1.6% QoQ
+$293.5M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Top 13.5% in tier
Total Loans ? $475.3M
+3.6% YoY +1.5% QoQ
+$216.9M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Top 13.8% in tier
Total Deposits ? $599.5M
-2.5% YoY -2.0% QoQ
+$272.8M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Top 12.4% in tier
Return on Assets ? 1.16%
+21.6% YoY +4.2% QoQ
-0.17% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 3.93%
+9.8% YoY +2.5% QoQ
-0.06% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 68.51%
-2.2% YoY -0.5% QoQ
+4.03% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.24%
-45.0% YoY -4.8% QoQ
-0.68% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 79.28%
+6.3% YoY +3.5% QoQ
+1.32% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 25.34%
+10.0% YoY +3.8% QoQ
+3.31% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.16%
-42.6% YoY -1.8% QoQ
-0.50% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 16.09%
+3.5% YoY +2.0% QoQ
+0.18% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.46%
+8.3% YoY +111.2% QoQ
-0.10% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Top 10.7% in tier

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 25.3%
+2.3pp YoY
+0.9pp QoQ
 +3.2pp 22.1% 18.8% 22.2% 67%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 7.5%
+0.7pp YoY
0.0pp QoQ
 -4.0pp 11.6% 10.2% 12.5% 36%
CRE 30.8%
+0.2pp YoY
-0.3pp QoQ
 -8.7pp 39.5% 34.2% 41.4% 36%
1-4 Family 53.0%
-0.4pp YoY
+0.3pp QoQ
 +20.4pp 32.6% 50.0% 31.3% 85%
Consumer 9.5%
-0.3pp YoY
0.0pp QoQ
 +5.4pp 4.1% 4.7% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 16.1%
+0.5pp YoY
+0.3pp QoQ
 -2.7pp 18.8% 22.1% 19.7% 58%
Leverage Ratio 10.6%
+0.9pp YoY
+0.3pp QoQ
 -1.6pp 12.2% 12.9% 12.6% 43%
Total Capital Ratio 17.2%
+0.5pp YoY
+0.3pp QoQ
 -2.7pp 19.9% 23.2% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 133
-4 (-2.9%) YoY
-2 (-1.5%) QoQ
 +74 58 2,433 482 96%
Assets per Employee ($) $5.1M
+2.1% YoY
-0.1% QoQ
 -$2.4M $7.5M $7.6M $8.8M 16%
Branch Count 10
0 YoY
0 QoQ
 +5 4 81 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 14%
Nonaccrual 0.2%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.6% 1.0% 32%
Allowance Coverage 4.26x
+81.8% YoY
+2.5% QoQ
 -19.89x 24.15x 18.95x 20.23x 67%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 73%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 11.5%
+1.0pp YoY
+0.3pp QoQ
 -0.7pp 12.2% 9.7% 11.6% 46%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 43%
Net Income ($, YTD) $4.0M
+22.5% YoY
— QoQ
 +$1.4M $2.6M $259.3M $40.4M 80%

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 (1)

Flatlined Growth

risk
#185 of 529 • Bottom 34.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.16%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 (4 metrics)

284
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.57%
#284 of 2643 Top 10.7% in $100M-$1B
329
Total Deposits
size
Value: $599.51M
Peer Median: $326.73M
#329 of 2643 Top 12.4% in $100M-$1B
358
Total Assets
size
Value: $680.08M
Peer Median: $386.57M
#358 of 2643 Top 13.5% in $100M-$1B
366
Total Loans
size
Value: $475.27M
Peer Median: $258.35M
#366 of 2643 Top 13.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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