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.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 4.70 percentage points lower than in Q1 2026, at 2.43%. Within Pennsylvania, Community Bank is 55th of 109 on return on assets, 1.06% as of Q2 2026. Community Bank reported 1.06% on return on assets for Q2 2026, 0.21 points below the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.22% |
| Tier 1 risk-based capital ratio | 14.22% |
| Total risk-based capital ratio | 15.18% |
| Tier 1 leverage ratio | 9.94% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 9.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.99% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 308.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 10.59% |
| Net interest margin | 3.73% |
| Efficiency ratio | 65.40% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.10% |
| Core deposits to total deposits | 93.08% |
| Brokered deposits to total deposits | 2.43% |
| Deposits to assets | 83.69% |
| Securities to assets | 19.65% |
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 | 12.77% | 12.77% | 13.90% | 9.37% | 0.80% |
| Q4 2023 | 13.64% | 13.64% | 14.61% | 10.19% | 3.65% |
| Q1 2024 | 14.50% | 14.50% | 15.51% | 10.28% | 1.23% |
| Q2 2024 | 14.59% | 14.59% | 15.58% | 9.98% | 0.74% |
| Q3 2024 | 14.79% | 14.79% | 15.76% | 9.96% | 0.83% |
| Q4 2024 | 14.78% | 14.78% | 15.79% | 9.98% | 0.68% |
| Q1 2025 | 14.94% | 14.94% | 15.95% | 10.36% | 0.56% |
| Q2 2025 | 15.28% | 15.28% | 16.29% | 10.49% | 1.08% |
| Q3 2025 | 14.19% | 14.19% | 15.20% | 10.06% | -1.47% |
| Q4 2025 | 13.92% | 13.92% | 14.89% | 10.15% | 1.26% |
| Q1 2026 | 14.70% | 14.70% | 15.71% | 10.34% | 1.03% |
| Q2 2026 | 14.22% | 14.22% | 15.18% | 9.94% | 1.06% |
Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7848) · FFIEC NIC profile (RSSD 371924)