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Community Bank
Carmichaels, PA · FDIC Certificate #7848 · Chartered 07/0
Total assets
$1.66B
Total deposits
$1.39B
Total equity
$169.72M
Net loans
$1.17B
Branches (offices)
14
Net income (YTD)
$8.44M
Rank: #680 of 4,213 U.S. banks by assets · #32 of 109 in Pennsylvania. Assets changed 9.1% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 10.17% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 9.94% |
| Uninsured deposits (share of deposits) | 41.5% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 84.3% |
| Real estate loans (share of loans) | 81.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $957.69M | 81.9% | |
| Commercial & industrial | $130.98M | 11.2% | |
| Consumer / individual | $31.11M | 2.7% | |
| Construction & development | $58.93M | 5.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.38B | $1.23B | $3.45M | $110.72M |
| Jun 2023 | $1.43B | $1.28B | $7.39M | $114.56M |
| Jun 2024 | $1.56B | $1.36B | $7.22M | $140.41M |
| Jun 2025 | $1.52B | $1.32B | $6.17M | $152.54M |
| Jun 2026 | $1.66B | $1.39B | $8.44M | $169.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.14B | 11 |
| West Virginia | $241.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.39B.
Similar-sized banks
East Cambridge Savings Bank ($1.66B) · Horicon Bank ($1.65B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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