Clarion County Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 7.5% in Q2 2026, from -$3.9M to -$3.6M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Clarion County Community Bank is 3rd from the bottom among 72 Pennsylvania banks, 10.60% (Q2 2026). Clarion County Community Bank reported 10.60% on CET1 ratio for Q2 2026, 4.47 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.41% |
| Tier 1 leverage ratio | 8.01% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $21.4M |
| Tier 1 capital | $21.4M |
| Total risk-based capital | $23.0M |
| Total equity capital | $17.8M |
| Risk-weighted assets | $201.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.81% |
| Tangible equity to tangible assets | 6.81% |
| Equity capital to average assets | 6.68% |
| Internal capital growth rate | 9.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $10.6M |
| Retained earnings | $9.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.19% | — |
| Q4 2023 | — | — | — | 8.81% | — |
| Q1 2024 | — | — | — | 8.73% | — |
| Q2 2024 | 10.98% | 10.98% | 11.78% | 8.66% | $184.3M |
| Q3 2024 | 10.96% | 10.96% | 11.75% | 8.51% | $185.3M |
| Q4 2024 | 10.78% | 10.78% | 11.58% | 8.41% | $186.0M |
| Q1 2025 | 10.20% | 10.20% | 10.96% | 8.24% | $196.9M |
| Q2 2025 | 10.13% | 10.13% | 10.89% | 8.03% | $199.9M |
| Q3 2025 | 9.92% | 9.92% | 10.66% | 7.81% | $206.5M |
| Q4 2025 | 10.03% | 10.03% | 10.75% | 7.67% | $206.0M |
| Q1 2026 | 10.33% | 10.33% | 11.09% | 7.84% | $203.2M |
| Q2 2026 | 10.60% | 10.60% | 11.41% | 8.01% | $201.7M |
Clarion County Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Clarion County Community Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Clarion County Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57624) · FFIEC NIC profile (RSSD 3185579)