Clarion County Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clarion County Community Bank of Clarion, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.59% | 1.34% | -0.75% | 16th bottom |
| ROAE | 8.97% | 13.32% | -4.35% | 30th below |
| Net Interest Margin | 3.85% | 3.93% | -0.08% | 45th below |
| Efficiency Ratio | 77.77% | 61.14% | +16.63% | 16th bottom |
| PPNR / Avg Assets | 0.81% | 1.68% | -0.87% | 15th bottom |
| Yield on Earning Assets | 6.00% | 5.67% | +0.33% | 68th above |
| Cost of Funds | 2.25% | 1.88% | +0.37% | 23rd bottom |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.23% | 0.94% | +0.29% | 23rd bottom |
| NPA / Total Assets | 1.04% | 0.70% | +0.34% | 19th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.74% | 1.28% | -0.54% | 8th bottom |
| ACL / NPLs (Coverage) | 60.10% | 1539.08% | -1478.98% | 15th bottom |
| Texas Ratio | 13.95% | 7.33% | +6.62% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.60% | 19.51% | -8.91% | 6th bottom |
| Tier 1 Ratio | 10.60% | 19.54% | -8.94% | 6th bottom |
| Total Capital Ratio | 11.41% | 20.63% | -9.22% | 4th bottom |
| Leverage Ratio | 8.01% | 12.14% | -4.13% | 2nd bottom |
| Equity / Assets | 6.81% | 11.38% | -4.57% | 5th bottom |
| TCE / Tangible Assets | 6.81% | 11.09% | -4.28% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.87% | 80.63% | +13.24% | 21st bottom |
| Core Deposit Ratio | 85.42% | 86.86% | -1.44% | 32nd below |
| Wholesale Funding Ratio | 2.30% | 5.03% | -2.73% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.90% | 6.85% | -1.95% | 54th above |
| Loan Growth (Y/Y) | 4.65% | 7.90% | -3.25% | 46th below |
| Deposit Growth (Y/Y) | 2.76% | 6.29% | -3.53% | 41st below |
See Clarion County Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clarion County Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Clarion County Community Bank profile, how to read a UBPR, or how this data updates.