Community Bank
Total assets
$1.66B
▲ +9.1% YoY
Deposits
$1.39B
▲ +5.1% YoY
Loans
$1.17B
▲ +6.1% YoY
Offices
14
CB FINANCIAL SERVICES INC
ROA (annualized)
1.06%
peers 1.26%
ROE (annualized)
10.17%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.7 pts |
| Deposit growth (YoY) | +5.1% | +5.1% | +0.0 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.2 pts |
| ROA | 1.06% | 1.26% | -0.2 pts |
| ROE | 10.2% | 12.2% | -2.0 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
Profile
- Established
- 1901
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CB FINANCIAL SERVICES INC
- Specialization
- Commercial Lending Specialization
- Address
- 100 N Market St, Carmichaels, PA, 15320
- County
- Greene
- Offices
- 14
- FDIC cert #
- 7848
- RSSD ID
- 371924
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.66B | $1.39B | $1.17B | $169.7M | $8.4M | 1.06% | 3.83% | 0.20% |
| Q1 2026 | $1.58B | $1.38B | $1.15B | $165.3M | $4.0M | 1.02% | 3.82% | 0.21% |
| Q4 2025 | $1.55B | $1.35B | $1.15B | $162.8M | $5.5M | 0.36% | 3.62% | 0.34% |
| Q3 2025 | $1.54B | $1.34B | $1.13B | $157.3M | $609K | 0.05% | 3.54% | 0.15% |
| Q2 2025 | $1.52B | $1.32B | $1.10B | $152.5M | $6.2M | 0.83% | 3.46% | 0.13% |
| Q1 2025 | $1.48B | $1.29B | $1.08B | $147.4M | $2.1M | 0.56% | 3.30% | 0.16% |
| Q4 2024 | $1.48B | $1.30B | $1.08B | $144.7M | $13.0M | 0.86% | 3.29% | 0.12% |
| Q3 2024 | $1.56B | $1.37B | $1.06B | $146.7M | $10.4M | 0.92% | 3.28% | 0.14% |
Loan mix (Q2 2026): real estate $957.7M · commercial $131.0M · consumer $31.1M · securities $325.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.26% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.2% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.70% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 59.0% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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