Community Bank (FDIC #5981): Bank Stress & Real-Estate Credit Exposure
Community Bank (FDIC Cert #5981): bank stress 66/100, elevated, STABLE over 7 days; parent COMMUNITYBANC INC.
Community Bank (#5981) lends in 4 counties across 1 state; Community Bank (#5981) reaches 78 ZIP codes: Ohio 4 counties, 78 ZIPs.
Community Bank (#5981) largest markets: Licking County, OH (30 branches, 30 ZIPs) (#5981), Muskingum County, OH (161 branches, 23 ZIPs) (#5981), Guernsey County, OH (20 branches, 20 ZIPs) (#5981), Perry County, OH (17 branches, 17 ZIPs) (#5981).
Community Bank (#5981) reports $680.1 million in total assets; Community Bank (#5981) equity $70.2 million (10.3% of Community Bank (#5981) assets); Community Bank (#5981) domestic deposits $599.5 million; Community Bank (#5981) net income $4.0 million; Community Bank (#5981) return on assets 1.16%; Community Bank (#5981) return on equity 11.47%; Community Bank (#5981) net interest income $12.6 million; Community Bank (#5981) call report June 30, 2026.
Community Bank (#5981) noncurrent real-estate loans: none reported; Community Bank (#5981) net charge-offs on real estate 0.17%; Community Bank (#5981) multifamily charge-offs 0.42%; Community Bank (#5981) residential charge-offs 0.33%.
Community Bank (#5981) net interest margin 3.93% against an eight-quarter Community Bank (#5981) average of 3.59% (Community Bank (#5981) compression -0.34 points); Community Bank (#5981) non-residential real estate 33.2% of equity; Community Bank (#5981) rate-exposure score 40/100, Community Bank (#5981) fixed-rate trap 40/100; Community Bank (#5981) risk type credit driven; Community Bank (#5981) rate regime rates elevated, Community Bank (#5981) snapshot October 20, 2026.
Community Bank (#5981) stress score moved from 67 on June 22, 2026 to 66.3 on October 20, 2026; Community Bank (#5981) ranged 66.3 to 67 over 117 snapshots.
Community Bank (#5981) alerts: 4 counties; top Community Bank (#5981) alert scores: Cambridge County, OH 23 (low); Crooksville County, OH 23 (low); Newark County, OH 23 (low); Zanesville County, OH 23 (low).