Community Bank (Carmichaels, PA)
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Data as of · sourced from FFIEC call reports. How we update
Community Bank is an FDIC-insured commercial bank headquartered in Carmichaels, PA, established in 1901 (FDIC certificate 7848), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.66B, up 9.1% from Q2 2025, the 32nd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 14.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7848
- Headquarters
- Carmichaels, PA
- Established
- 1901
- Total assets, Q2 2026
- $1.66B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 14.22%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 043310980
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank call report
- Holding company
- CB FINANCIAL SERVICES, INC.
- Asset rank in state
- 32nd of 109 in Pennsylvania
Little in Community Bank's latest call report stands out. The Carmichaels, Pennsylvania bank had $1.7 billion in assets at June 30, 2026, up 9.1% from a year earlier. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.29% of loans, against 0.16% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.2 million equal 4% of Tier 1 capital, down from 12% a year earlier. Funding is the softer spot: it holds about two-fifths of its deposits (42%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Community Bank reported a CET1 capital ratio of 14.22%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.99%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Community Bank is the 32nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.6% to $1.66B, loans rose 1.9% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.2% of total loans, ahead of 1-4 family residential loans at 27.7%. Its 14 offices in the FDIC Summary of Deposits are in 11 cities across 2 states; its Waynesburg 2 offices book 25% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N Market St, Carmichaels, PA 15320
- County
- Greene
- 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
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1901
- Former names
- Community Bank, National Association (1987-2006)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 175
- Domestic deposits
- $1.39B
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $50K
- Average total assets
- $1.67B
- Average total loans
- $1.16B
- Average interest-bearing deposits
- $1.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7848
- Fed RSSD
- 371924
- SEC CIK
- 1605301 → filed by CB FINANCIAL SERVICES, INC.
- Website
- www.cb.bank →
- Parent Holding Company
- CB FINANCIAL SERVICES, INC. (RSSD 3333718) · CBFV
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Montgomery John Haines | CEO | President and CEO |
| Amanda L Engles | CFO | EVP and CFO |
| Jennifer L George | COO | SEVP and COO |
| Stephen Cobain | CCO | Chief Credit Officer |
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, Community Bank's total assets ranged from $1.40B (Q3 2023) to $1.66B (Q2 2026), 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
$1.66B total assets against $1.52B; $1.49B total liabilities against $1.37B.
$1.17B net loans and leases against $1.10B; $1.39B total deposits against $1.32B.
$325.6M securities against $267.2M; $76.1M cash and balances due against $64.5M.
$20.9M total interest income against $18.8M; $6.2M total interest expense against $6.1M.
$14.7M net interest income against $12.7M.
$954K total noninterest income against $898K; $10.3M total noninterest expense against $8.7M.
$18K provision for credit losses against $8K.
$4.4M net income against $4.1M.
1.06% return on assets against 1.08%; 3.73% net interest margin against 3.57%.
14.22% CET1 capital ratio against 15.28%; 9.94% tier 1 leverage ratio against 10.49%.
Inside the full 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.
Community Bank rankings
Its closest position to the top of a national ranking is 672 of 4,196, for total assets; its furthest is 2,393 of 3,606, for efficiency ratio.
Metric pages for Community Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.47% (Q3 2025) to 1.26% (Q4 2025) and its net interest margin ran from 3.16% (Q3 2024) to 3.85% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 1.06% | 0.29% | 1.99% | 3.73% |
| Q1 2026 | 14.70% | 1.03% | 0.29% | 2.01% | 3.84% |
| Q4 2025 | 13.92% | 1.26% | 0.46% | 3.26% | 3.85% |
| Q3 2025 | 14.19% | -1.47% | 0.19% | 1.48% | 3.72% |
| Q2 2025 | 15.28% | 1.08% | 0.16% | 1.26% | 3.57% |
| Q1 2025 | 14.94% | 0.56% | 0.22% | 1.61% | 3.26% |
| Q4 2024 | 14.78% | 0.68% | 0.16% | 1.24% | 3.17% |
| Q3 2024 | 14.79% | 0.83% | 0.19% | 1.50% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| Rjsoc Branch | Waynesburg , PA | 15370 | $201.1M |
| Waynesburg Office Branch | Waynesburg , PA | 15370 | $150.8M |
| Washington Branch | Washington , PA | 15301 | $131.7M |
| Rostraver Office Branch | Belle Vernon , PA | 15012 | $127.5M |
| Community Bank (main office) | Carmichaels , PA | 15320 | $126.1M |
| Brookline Branch | Pittsburgh , PA | 15226 | $95.9M |
| Greene Plaza Office Branch | Franklin Township , PA | 15370 | $94.7M |
| Warwood Office Branch | Wheeling , WV | 26003 | $92.6M |
| Mcmurray Office Branch | Mcmurray , PA | 15317 | $92.3M |
| Woodsdale Office Branch | Wheeling , WV | 26003 | $88.1M |
| Claysville Office Branch | Claysville , PA | 15323 | $85.3M |
| Moundsville Office Branch | Moundsville , WV | 26041 | $61.2M |
| Uniontown Branch | Uniontown , PA | 15401 | $38.8M |
| Corporate Office Branch | Washington , PA | 15301 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2018 | Structure Change | Acquired Progressive Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2014 | Structure Change | Acquired First Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 52 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 214 applications, 155 loans originated, $45.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $54K approved, $54K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Community Bank
What are Community Bank's total assets?
As of the Q2 2026 filing, Community Bank reported total assets of $1.66 billion in its FFIEC call report.
Where is Community Bank headquartered?
It is headquartered in Carmichaels, PA, United States.
When was Community Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7848). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank?
Community Bank's primary federal regulator is the FDIC.
What is Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank's Texas Ratio?
Its Texas Ratio is 1.99% 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.
What was Community Bank previously called?
The charter now named Community Bank has also operated as Community Bank, National Association (1987-2006), per FDIC structure-change records.
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