The Community Bank: how it compares with its peers
Against 40 OH banks with half to twice its assets, The Community Bank's strongest measure in Q2 2026 is net interest margin (3.93% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $7.2M).
| Measure | The Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.13% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.93% | 3.77% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.51% | 61.64% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $7.2M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.28% | 80.77% | Context |
What it means for lending operations
Its efficiency ratio of 68.51% is above the 61.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Greenville National Bank Greenville, OH · $641M
- Belmont Savings Bank Bellaire, OH · $613M
- The Genoa Banking Company Genoa, OH · $748M
- The Andover Bank Andover, OH · $595M
- Kingston National Bank Kingston, OH · $586M
- First Federal Savings and Loan Association of Lorain Lorain, OH · $574M
Questions about The Community Bank
How big is The Community Bank?
The Community Bank, established in 1902, is headquartered in Zanesville, OH. It reported $680M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is The Community Bank's return on assets?
1.16% annualized in Q2 2026, against a 1.13% median for 40 OH banks with half to twice its assets, ahead of 53% of them.
What is The Community Bank's efficiency ratio?
68.51% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 61.64%, and lower is better.
Is The Community Bank growing its loans?
Net loans grew 3.6% over the year to Q2 2026, while deposits shrank 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.