Community Bank: how it compares with its peers
Against 34 PA banks with half to twice its assets, Community Bank's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $7.9M peer median). Its weakest relative measure is efficiency ratio (66.42% vs. 60.10%).
| Measure | Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.16% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.60% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.42% | 60.10% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $7.9M | Top third Ahead of 76% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.35% | 86.51% | Context |
What it means for lending operations
Its efficiency ratio of 66.42% is above the 60.10% 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
- Journey Bank Bloomsburg, PA · $1.67B
- First Keystone Community Bank Berwick, PA · $1.57B
- 1st Summit Bank Johnstown, PA · $1.52B
- Ameriserv Financial Bank Johnstown, PA · $1.46B
- Embassy Bank for the Lehigh Valley Bethlehem, PA · $1.86B
- Marquette Savings Bank Erie, PA · $1.44B
Questions about Community Bank
How big is Community Bank?
Community Bank, established in 1901, is headquartered in Carmichaels, PA. It reported $1.66B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Community Bank's return on assets?
1.06% annualized in Q2 2026, against a 1.16% median for 34 PA banks with half to twice its assets, ahead of 38% of them.
What is Community Bank's efficiency ratio?
66.42% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 60.10%, and lower is better.
Is Community Bank growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 5.1%.
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 PA 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 Pennsylvania bank ranked.