Clarion County Community Bank
Also written as CCCB
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Data as of · sourced from FFIEC call reports. How we update
Clarion County Community Bank is an FDIC-insured commercial bank headquartered in Clarion, PA, established in 2004 (FDIC certificate 57624), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $261.6M, up 4.9% from Q2 2025, the 86th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 10.60% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57624
- Headquarters
- Clarion, PA
- Established
- 2004
- Total assets, Q2 2026
- $261.6M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 10.60%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 043318791
- Latest call report
- Q2 2026, FFIEC 051 · Clarion County Community Bank Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- CCCB BANCORP, INC.
- Asset rank in state
- 86th of 109 in Pennsylvania
Problem loans are rising at Clarion County Community Bank. It reported $262 million in assets at June 30, 2026, up 4.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.78% of loans from 0.33% a year earlier. It holds common equity equal to 10.60% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also earns about $0.59 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Earnings jumped: net income for the quarter was $392,000, 131% above the same quarter a year earlier. Its $30 million non-owner-occupied commercial real estate book is improving, with 1.82% past due or on nonaccrual, down from 2.42% a year earlier. Costs are the weak spot: it spends about 78 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Clarion County Community Bank reported a CET1 capital ratio of 10.60%, a return on assets of 0.59%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 8.87%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Clarion County Community Bank is the 86th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $261.6M, loans fell 0.3% and deposits fell 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 44.9% of total loans, ahead of owner-occupied commercial real estate loans at 19.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in PA; its Clarion office books 47% of its branch deposits. Judged on its Q2 2026 call report, Clarion County Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 333 Main St, Clarion, PA 16214
- County
- Clarion
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 7, 2004
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $234.6M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $266.8M
- Average total loans
- $221.3M
- Average interest-bearing deposits
- $183.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 7, 2004
- FDIC Cert
- 57624
- Fed RSSD
- 3185579
- SEC CIK
- 1803408 → filed by CCCB BANCORP, INC.
- Website
- http://www.clarionbank.com →
- Parent Holding Company
- CCCB BANCORP, INC. (RSSD 5493876)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Clarion County Community Bank's total assets ranged from $220.8M (Q3 2023) to $266.3M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$261.6M total assets against $249.4M; $243.8M total liabilities against $233.6M.
$218.6M net loans and leases against $208.9M; $234.6M total deposits against $228.3M.
$23.8M securities against $22.8M; $3.4M cash and balances due against $2.3M.
$3.8M total interest income against $3.4M; $1.4M total interest expense against $1.5M.
$2.4M net interest income against $1.9M.
$131K total noninterest income against $130K; $2.0M total noninterest expense against $1.8M.
$75K provision for credit losses against $15K.
$392K net income against $170K.
0.59% return on assets against 0.27%; 3.85% net interest margin against 3.23%.
10.60% CET1 capital ratio against 10.13%; 8.01% tier 1 leverage ratio against 8.03%.
Inside the full Clarion County Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Clarion County Community Bank rankings
Its closest position to the top of a national ranking is 735 of 3,640, for Texas Ratio; its furthest is 2,031 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.03% (Q4 2024) to 0.65% (Q4 2025) and its net interest margin ran from 2.98% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.60% | 0.59% | 0.78% | 8.87% | 3.85% |
| Q1 2026 | 10.33% | 0.49% | 0.61% | 7.26% | 3.63% |
| Q4 2025 | 10.03% | 0.65% | 0.58% | 7.19% | 3.54% |
| Q3 2025 | 9.92% | 0.33% | 0.68% | 8.43% | 3.36% |
| Q2 2025 | 10.13% | 0.27% | 0.33% | 4.02% | 3.23% |
| Q1 2025 | 10.20% | 0.07% | 0.16% | 1.90% | 3.13% |
| Q4 2024 | 10.78% | -0.03% | 0.41% | 4.60% | 3.04% |
| Q3 2024 | 10.96% | 0.13% | 0.35% | 3.65% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clarion County Community Bank (main office) | Clarion , PA | 16214 | $110.1M |
| New Bethlehem Branch | New Bethlehem , PA | 16242 | $49.6M |
| Franklin Office | Franklin , PA | 16323 | $33.4M |
| Erie Branch | Erie , PA | 16505 | $21.1M |
| Rimersburg Branch | Rimersburg , PA | 16248 | $20.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 105 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Clarion County Community Bank
What are Clarion County Community Bank's total assets?
As of the Q2 2026 filing, Clarion County Community Bank reported total assets of $261.6 million in its FFIEC call report.
Where is Clarion County Community Bank headquartered?
It is headquartered in Clarion, PA, United States.
When was Clarion County Community Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Clarion County Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57624). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clarion County Community Bank?
Clarion County Community Bank's primary federal regulator is the FDIC.
What is Clarion County Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.60% in its Q2 2026 call report, above regulatory requirements.
How many branches does Clarion County Community Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clarion County Community Bank's Texas Ratio?
Its Texas Ratio is 8.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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