Total Assets
$266M
Total balance-sheet footings
FDIC Cert #57624 · Clarion, Pennsylvania · Est. 2004
Clarion County Community Bank - FDIC Bank Health Profile
A community-scale look at Clarion County Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $266M
- Total assets
- C
- Health grade · Fair
- 0.35%
- Return on assets
- 10.0%
- Tier 1 capital
Data updated July 2026
The verdict
Clarion County Community Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 10.03% Tier 1, 0.35% ROA, 88% efficiency ratio.
- #2,666
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 10.03%
- Tier 1 ratio - above the 10% well-capitalized line
- 11th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Clarion County Community Bank's 51/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Clarion County Community Bank's composite health score
Tier 1 Capital Ratio (10.03%) 28/40
Return on Assets (ROA) (0.35%) 7/25
Texas Ratio (6.99%) 16/20
Efficiency Ratio (88.06%) 0/15
51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$238M
Customer-funded liabilities
Net Loans
$222M
Outstanding loan book
Net Income
$872K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Clarion County Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Clarion County Community Bank's score of 51/100 falls in the highlighted band.
Clarion County Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Clarion County Community Bank's $266M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.03%
Texas Ratio
6.99%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
11th percentile nationally
0.35%
Return on Equity (ROE)
5.38%
Efficiency Ratio
88.06%
What the numbers say about Clarion County Community Bank
Clarion County Community Bank is an FDIC-insured institution (Certificate #57624) headquartered in Clarion, Pennsylvania, established in 2004. It holds $266M in total assets - 2,666th of 4,313 FDIC-insured banks, $238M in customer deposits, and $222M in net loans. Capital-wise, the Tier 1 ratio sits at 10.03%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 6.99%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (51 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Clarion County Community Bank sits 87th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$14M
Interest Income
$487K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Clarion County Community Bank reports a Texas Ratio of 6.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Clarion County Community Bank (FDIC Cert #57624) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Clarion County Community Bank's health grade?▼
Clarion County Community Bank receives a health grade of C (51/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Clarion County Community Bank?▼
Clarion County Community Bank holds $266M in total assets and $238M in deposits, ranking 2,666th of 4,313 FDIC-insured banks by asset size. It is headquartered in Clarion, Pennsylvania.
Is my money safe at Clarion County Community Bank?▼
Yes, deposits at Clarion County Community Bank (Certificate #57624) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Clarion County Community Bank's Tier 1 Capital Ratio?▼
Clarion County Community Bank has a Tier 1 Capital Ratio of 10.03%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Clarion County Community Bank?▼
Clarion County Community Bank has a Texas Ratio of 6.99%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Clarion County Community Bank?▼
Clarion County Community Bank has an Efficiency Ratio of 88.06%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Clarion County Community Bank's profile as a depositor or analyst.
- Clarion County Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Clarion County Community Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.