The Community Bank (Zanesville, OH)
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Data as of · sourced from FFIEC call reports. How we update
The Community Bank is an FDIC-insured commercial bank headquartered in Zanesville, OH, established in 1902 (FDIC certificate 5981), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $680.1M, down 0.8% from Q2 2025, the 45th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 16.09% 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
- 5981
- Headquarters
- Zanesville, OH
- Established
- 1902
- Total assets, Q2 2026
- $680.1M
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 16.09%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 044105576
- Holding company
- COMMUNITYBANC, INC.
- Asset rank in state
- 45th of 154 in Ohio
The Community Bank, based in Zanesville, Ohio, reported $680 million in assets at June 30, 2026. It lost 2.5% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 3.6% and deposits fell 2.5%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.14% of loans from 0.42%.
As of June 30, 2026, The Community Bank reported a CET1 capital ratio of 16.09%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 0.92%. The figures come from its call report filed with the FFIEC.
The Community Bank ranks as the 45th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.6% to $680.1M, loans rose 1.4% and deposits fell 2.0%. 1-4 family residential loans made up 52.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.7%. Its 10 offices in the FDIC Summary of Deposits are in 7 cities in OH; its Zanesville 4 offices book 49% of its branch deposits. Judged on its Q2 2026 call report, The Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 113 N 5th St, Zanesville, OH 43701
- County
- Muskingum
- Metro Area
- Zanesville, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 28, 1902
- Former names
- The Community Bank (1991)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $599.5M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- $182K
- Average total assets
- $684.2M
- Average total loans
- $475.8M
- Average interest-bearing deposits
- $447.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5981
- Fed RSSD
- 729011
- Website
- www.thecombank.com →
- Parent Holding Company
- COMMUNITYBANC, INC. (RSSD 1249682)
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
The Community Bank's total assets moved between a low of $605.3M (Q1 2024) and a high of $699.5M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$680.1M total assets against $685.9M; $609.9M total liabilities against $621.8M.
$475.3M net loans and leases against $458.7M; $599.5M total deposits against $615.1M.
$101.4M securities against $103.8M; $71.0M cash and balances due against $94.6M.
$9.0M total interest income against $8.9M; $2.5M total interest expense against $3.0M.
$6.4M net interest income against $6.0M.
$1.6M total noninterest income against $1.5M; $5.5M total noninterest expense against $4.9M.
-$36K provision for credit losses against $60K.
$2.1M net income against $2.1M.
1.20% return on assets against 1.20%; 3.94% net interest margin against 3.62%.
16.09% CET1 capital ratio against 15.55%; 10.58% tier 1 leverage ratio against 9.72%.
Inside the full The Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Community Bank rankings
Its closest position to the top of a national ranking is 699 of 2,134, for CET1 ratio; its furthest is 2,720 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.29% (Q4 2025) and its net interest margin ran from 3.15% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.09% | 1.20% | 0.23% | 0.92% | 3.94% |
| Q1 2026 | 15.78% | 1.11% | 0.24% | 1.42% | 3.77% |
| Q4 2025 | 15.90% | 1.29% | 0.27% | 1.70% | 3.84% |
| Q3 2025 | 15.80% | 1.16% | 0.41% | 2.70% | 3.74% |
| Q2 2025 | 15.55% | 1.20% | 0.42% | 2.94% | 3.62% |
| Q1 2025 | 15.25% | 0.70% | 0.45% | 3.17% | 3.37% |
| Q4 2024 | 15.33% | 1.10% | 0.53% | 3.66% | 3.37% |
| Q3 2024 | 14.95% | 0.83% | 0.41% | 3.00% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| The Community Bank | Zanesville , OH | 43701 | $112.1M |
| South Office | South Zanesville , OH | 43701 | $102.3M |
| North Office | Zanesville , OH | 43701 | $92.3M |
| Crooksville Branch | Crooksville , OH | 43731 | $53.7M |
| East Office | Zanesville , OH | 43701 | $45.3M |
| Frazeysburg Office Branch | Frazeysburg , OH | 43822 | $45.0M |
| Cambridge Branch | Cambridge , OH | 43725 | $42.8M |
| West Office | Zanesville , OH | 43701 | $42.1M |
| New Concord Oh Branch | New Concord , OH | 43762 | $39.9M |
| 21st Street Office Branch | Newark , OH | 43055 | $24.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OH, rank 57 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 362 applications, 266 loans originated, $55.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 13 loans, $1.2M approved, $90K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 The Community Bank
What are The Community Bank's total assets?
As of the Q2 2026 filing, The Community Bank reported total assets of $680.1 million in its FFIEC call report.
Where is The Community Bank headquartered?
It is headquartered in Zanesville, OH, United States.
When was The Community Bank founded?
It was established in 1902, per the FDIC institution directory.
Is The Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5981). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Community Bank?
The Community Bank's primary federal regulator is the FDIC.
What is The Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Community Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Community Bank's Texas Ratio?
Its Texas Ratio is 0.92% 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 The Community Bank previously called?
The charter now named The Community Bank has also operated as The Community Bank (1991), per FDIC structure-change records.
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