TellerScore

Headquartered in Carmichaels, Pennsylvania, Community Bank is a state-chartered bank with $1.7B in total assets and $1.4B in deposits as of Q2 2026. It operates 14 offices across 2 states. Its charter dates back to 1901.

Community Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 62nd. Problem-loan coverage contributes the most (96/100, 1.9%); funding & liquidity contributes the least (46/100, 84% loans-to-deposits, 42% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.94%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 84.3% · 41.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (69 → 66), mostly because the earnings component improved by 9 points.

TellerScore
616569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202468
Q1 202566
Q2 202569
Q3 202561
Q4 202561
Q1 202668
Q2 202666
Tier 1 leverage ratio
5.00%7.74%10.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.98%
Q3 20249.96%
Q4 20249.98%
Q1 202510.36%
Q2 202510.49%
Q3 202510.06%
Q4 202510.15%
Q1 202610.34%
Q2 20269.94%
Noncurrent loans
0.16%0.31%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.19%
Q4 20240.16%
Q1 20250.22%
Q2 20250.16%
Q3 20250.19%
Q4 20250.46%
Q1 20260.29%
Q2 20260.29%
Return on assets
0.05%0.56%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20240.92%
Q4 20240.86%
Q1 20250.56%
Q2 20250.83%
Q3 20250.05%
Q4 20250.36%
Q1 20261.02%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.7B9.94%0.29%1.06%84.3%
Q1 202668$1.6B10.34%0.29%1.02%83.0%
Q4 202561$1.5B10.15%0.46%0.36%85.5%
Q3 202561$1.5B10.06%0.19%0.05%84.4%
Q2 202569$1.5B10.49%0.16%0.83%83.5%
Q1 202566$1.5B10.36%0.22%0.56%83.4%
Q4 202468$1.5B9.98%0.16%0.86%83.5%
Q3 202469$1.6B9.96%0.19%0.92%77.2%
Q2 202469$1.6B9.98%0.17%0.97%78.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.94%
35th
Total risk-based capital15.18%
69th
Problem loans0.29%
69th
Net charge-offs0.01%
67th
Return on assets1.06%
35th
Net interest margin3.83%
58th
Efficiency ratio66.4%
28th
Loans to deposits84.3%
57th
Uninsured deposits41.5%
23rd
Loan-loss reserves0.89%
19th
Texas ratio1.9%
70th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Journey BankBank Bloomsburg, PA71 out of 100, Strong$1.7B10.2%0.74%vs
First Keystone Community BankBank Berwick, PA50 out of 100, Below average$1.6B9.7%2.11%vs
1st Summit BankBank Johnstown, PA60 out of 100, Moderate$1.5B8.6%0.44%vs
Ameriserv Financial BankBank Johnstown, PA60 out of 100, Moderate$1.5B9.5%0.76%vs
Embassy Bank for the Lehigh ValleyBank Bethlehem, PA66 out of 100, Moderate$1.9B8.8%0.05%vs
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs

Deposit insurance

Is my money safe at Community Bank?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #7848). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.5% of deposits ($575.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.18% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Community Bank lists 12 offices in 11 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community Bank reported 214 home-loan applications under HMDA (LEI 5493008JDUT3R3K1LZ58): 155 originated ($45,335,000 total), 36 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community Bank
Former names
Community Bank, National Association; The First National Bank of Carmichaels
Type
State-chartered bank
FDIC certificate #
7848
RSSD ID
371924
Primary regulator
FDIC
Holding company
Cb Financial Services Inc
Established
July 1, 1901
Headquarters
100 N Market St, Carmichaels, PA 15320
Employees
175

Quick answers

Community Bank: common questions

Is Community Bank FDIC insured?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #7848). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank ever failed?

There is no failure record for FDIC certificate #7848 in the FDIC failed bank list.

How many branches does Community Bank have?

14 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Carmichaels

InstitutionScoreAssetsCapitalProblem loansCompare
Wvu Employees Federal Credit UnionCredit union Morgantown, WV97 out of 100, Very strong$67.8M22.8%0.23%vs
Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA91 out of 100, Very strong$19.8M14.3%0.41%vs
Fayette County School Employees Credit UnionCredit union Uniontown, PA90 out of 100, Very strong$22.2M20.0%0.89%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs
Valley 1st Community Federal Credit UnionCredit union Monessen, PA89 out of 100, Very strong$106.9M23.1%0.75%vs
Citizens Bank of Morgantown, Inc.Bank Morgantown, WV87 out of 100, Very strong$52.6M18.8%0.09%vs