TellerScore

The Community Bank is a state-chartered bank headquartered in Zanesville, Ohio, in business for about 124 years. At the end of Q2 2026 it reported $680.1M in total assets and $599.5M in deposits, with 10 offices.

The Community Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 54th. Problem-loan coverage contributes the most (97/100, 1.5%); capital cushion contributes the least (56/100, 10.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.58%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 79.3% · 19.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.49%

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 rose 6 points (68 → 74), mostly because the capital cushion component improved by 9 points.

TellerScore
657074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202466
Q4 202466
Q1 202566
Q2 202568
Q3 202569
Q4 202572
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%7.79%10.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.00%
Q3 20249.68%
Q4 20249.62%
Q1 20259.72%
Q2 20259.72%
Q3 20259.95%
Q4 202510.10%
Q1 202610.31%
Q2 202610.58%
Noncurrent loans
0.23%0.38%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.53%
Q3 20240.41%
Q4 20240.53%
Q1 20250.45%
Q2 20250.42%
Q3 20250.41%
Q4 20250.27%
Q1 20260.24%
Q2 20260.23%
Return on assets
0.68%0.92%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.68%
Q3 20240.73%
Q4 20240.83%
Q1 20250.69%
Q2 20250.95%
Q3 20251.02%
Q4 20251.09%
Q1 20261.11%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$680.1M10.58%0.23%1.16%79.3%
Q1 202673$691.0M10.31%0.24%1.11%76.6%
Q4 202572$690.6M10.10%0.27%1.09%75.4%
Q3 202569$699.5M9.95%0.41%1.02%74.1%
Q2 202568$685.9M9.72%0.42%0.95%74.6%
Q1 202566$693.0M9.72%0.45%0.69%72.8%
Q4 202466$668.0M9.62%0.53%0.83%74.8%
Q3 202466$676.0M9.68%0.41%0.73%73.8%
Q2 202465$622.9M10.00%0.53%0.68%79.9%

2,650 peers · $100 million – $1 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 ratio10.58%
43rd
Total risk-based capital17.19%
78th
Problem loans0.23%
62nd
Net charge-offs0.08%
23rd
Return on assets1.16%
45th
Net interest margin3.93%
50th
Efficiency ratio68.5%
33rd
Loans to deposits79.3%
51st
Uninsured deposits19.6%
66th
Loan-loss reserves0.99%
25th
Texas ratio1.5%
64th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Belmont Savings BankBank Bellaire, OH65 out of 100, Moderate$612.9M13.6%1.67%vs
The Genoa Banking CompanyBank Genoa, OH62 out of 100, Moderate$747.8M7.6%0.01%vs
The Andover BankBank Andover, OH72 out of 100, Strong$595.1M9.6%0.26%vs
Kingston National BankBank Kingston, OH66 out of 100, Moderate$586.3M9.2%0.27%vs
First Federal Savings and Loan Association of LorainBank Lorain, OH60 out of 100, Moderate$573.8M10.4%0.41%vs

Deposit insurance

Is my money safe at The Community Bank?

Yes. The Community Bank is an FDIC-insured institution (FDIC certificate #5981). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.6% of deposits ($117.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.19% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

The Community Bank lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Community Bank reported 349 home-loan applications under HMDA (LEI 5493007G0MFTSE8JPV83): 266 originated ($55,260,000 total), 26 denied, and 57 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.9%, 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
The Community Bank
Former names
The Crooksville Bank
Type
State-chartered bank
FDIC certificate #
5981
RSSD ID
729011
Primary regulator
FDIC
Holding company
Communitybanc Inc
Established
July 28, 1902
Headquarters
113 N 5th St, Zanesville, OH 43701
Employees
133

Quick answers

The Community Bank: common questions

Is The Community Bank FDIC insured?

Yes. The Community Bank is an FDIC-insured institution (FDIC certificate #5981). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Community Bank's TellerScore?

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

Has The Community Bank ever failed?

There is no failure record for FDIC certificate #5981 in the FDIC failed bank list.

How many branches does The Community Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Zanesville

InstitutionScoreAssetsCapitalProblem loansCompare
Harvest Federal Credit UnionCredit union Heath, OH84 out of 100, Strong$43.9M12.8%0.30%vs
The Waterford Commercial and Savings BankBank Waterford, OH83 out of 100, Strong$60.0M13.6%0.09%vs
Genesis Employees Credit UnionCredit union Zanesville, OH80 out of 100, Strong$22.2M14.4%1.61%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
The Park National BankBank Newark, OH72 out of 100, Strong$12.6B10.3%0.86%vs
First Federal Savings and Loan AssociationBank Newark, OH70 out of 100, Strong$293.5M14.2%1.28%vs