Clarion County Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.21 percentage points in Q2 2026, from 66.31% to 60.10%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Clarion County Community Bank is 85th of 109 on return on assets, 0.59% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Clarion County Community Bank reported 0.59% on return on assets in Q2 2026, 0.67 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.41% |
| Tier 1 leverage ratio | 8.01% |
| Equity capital to assets | 6.81% |
| Tangible equity to tangible assets | 6.81% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.23% |
| Non-performing assets ratio | 1.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.95% |
| Allowance for credit losses to loans | 0.74% |
| Reserve coverage of non-performing loans | 60.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 8.97% |
| Net interest margin | 3.85% |
| Efficiency ratio | 77.77% |
| Yield on earning assets | 6.00% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.87% |
| Core deposits to total deposits | 85.42% |
| Brokered deposits to total deposits | 0.86% |
| Deposits to assets | 89.67% |
| Securities to assets | 9.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.19% | 0.18% |
| Q4 2023 | — | — | — | 8.81% | 0.13% |
| Q1 2024 | — | — | — | 8.73% | 0.08% |
| Q2 2024 | 10.98% | 10.98% | 11.78% | 8.66% | 0.09% |
| Q3 2024 | 10.96% | 10.96% | 11.75% | 8.51% | 0.13% |
| Q4 2024 | 10.78% | 10.78% | 11.58% | 8.41% | -0.03% |
| Q1 2025 | 10.20% | 10.20% | 10.96% | 8.24% | 0.07% |
| Q2 2025 | 10.13% | 10.13% | 10.89% | 8.03% | 0.27% |
| Q3 2025 | 9.92% | 9.92% | 10.66% | 7.81% | 0.33% |
| Q4 2025 | 10.03% | 10.03% | 10.75% | 7.67% | 0.65% |
| Q1 2026 | 10.33% | 10.33% | 11.09% | 7.84% | 0.49% |
| Q2 2026 | 10.60% | 10.60% | 11.41% | 8.01% | 0.59% |
Clarion County Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Clarion County Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)