The Community Bank
Total assets
$680.1M
▼ -0.8% YoY
Deposits
$599.5M
▼ -2.5% YoY
Loans
$475.3M
▲ +3.6% YoY
Offices
10
COMMUNITYBANC INC
ROA (annualized)
1.16%
peers 1.28%
ROE (annualized)
11.47%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +4.9% | -5.8 pts |
| Deposit growth (YoY) | -2.5% | +4.3% | -6.9 pts |
| Loan growth (YoY) | +3.6% | +5.3% | -1.7 pts |
| ROA | 1.16% | 1.28% | -0.1 pts |
| ROE | 11.5% | 12.4% | -1.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
Profile
- Established
- 1902
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- COMMUNITYBANC INC
- Specialization
- Commercial Lending Specialization
- Address
- 113 N 5th St, Zanesville, OH, 43701
- County
- Muskingum
- Metro area
- Zanesville, OH
- Offices
- 10
- FDIC cert #
- 5981
- RSSD ID
- 729011
- 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 | $680.1M | $599.5M | $475.3M | $70.2M | $4.0M | 1.16% | 3.93% | 0.16% |
| Q1 2026 | $691.0M | $611.6M | $468.4M | $68.9M | $1.9M | 1.11% | 3.83% | 0.17% |
| Q4 2025 | $690.6M | $611.4M | $461.2M | $68.6M | $7.5M | 1.09% | 3.74% | 0.18% |
| Q3 2025 | $699.5M | $625.6M | $463.9M | $66.6M | $5.3M | 1.02% | 3.65% | 0.28% |
| Q2 2025 | $685.9M | $615.1M | $458.7M | $64.1M | $3.2M | 0.95% | 3.58% | 0.29% |
| Q1 2025 | $693.0M | $624.2M | $454.6M | $62.1M | $1.2M | 0.69% | 3.41% | 0.30% |
| Q4 2024 | $668.0M | $600.2M | $448.9M | $59.8M | $5.3M | 0.83% | 3.32% | 0.36% |
| Q3 2024 | $676.0M | $609.5M | $449.8M | $59.6M | $3.5M | 0.73% | 3.26% | 0.28% |
Loan mix (Q2 2026): real estate $398.9M · commercial $35.9M · consumer $45.1M · securities $101.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.28% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.89% | 52th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 61.2% | 70th | |
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 | The 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 | The 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 | The 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 | The 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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