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100 Market Street
Carmichaels, PA 15320

Community Bank (PA) is headquartered in Carmichaels and is the 66th largest bank in the state of Pennsylvania. It is also the 1,229th largest bank in the nation. It was established in 1901 and as of March of 2014, it had grown to 126 employees at 11 locations. Community Bank (PA) has a A health rating.

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Reviews (1)

3 Stars - Decent "Old School" Bank

Community bank is a fine bank for regular checking. They have low fees and wont charge you every day your account is in the red like many other banks will. Their online banking is ancient and not accessible via mobile browser. They lack any type of mobile banking. Overall I was mostly satisfied with their customer service, but their technology lacks which lead me to go to another bank that accepts instant check deposits at the atm, mobile deposit and reliable online banking.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Bank (PA) had $3.72 million in non-current loans and owned real-estate with $48.17 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (PA) a Texas Ratio of 7.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Bank (PA) decreased dramatically from 11.54% as of March 31, 2013 to 7.73% as of March 31, 2014, resulting in a positive change of 33.00%.This indicates that the balance sheet and financial strength for Community Bank (PA) has improved dramatically in recent periods.

Deposit Growth


In the past year, Community Bank (PA) has increased its total deposits by $26.37 million, resulting in 5.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Bank (PA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Bank (PA) has $549.63 million in assets with $48.17 million in equity, resulting in a capitalization level of 8.76%, which is average.

Institution Statistics

FDIC Certificate #7848
Year Established1901
Primary RegulatorFDIC
Assets and Liabilities
Assets$549.63 million
Loans$379.98 million
Deposits$488.94 million
Equity Capital$42.80 million
Loan Loss Allowance$5.37 million
Unbacked Noncurrent Loans$3.47 million
Real Estate Owned$255,000
Historic Data - March 2013
Assets$533.56 million
Equity Capital$43.49 million
Loan Loss Allowance$5.45 million
Unbacked Noncurrent Loans$3.47 million
Real Estate Owned$1.84 million
Profit Margin - Quarterly
Net Interest Margin3.16%
Return on Assets0.78%
Return on Equity9.96%
Interest Income$4.57 million

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Community Bank (PA) Savings Account Rates

0.30%--Holiday Club
0.25%$5k-Century Club Statement Savings
0.25%--Vacation Club
0.15%$200-Passbook Savings
0.15%$200-Statement Savings

Community Bank (PA) Money Market Rates

0.25%$100k-Tiered Money Market Account
0.10%$2,500-Money Market Account

Community Bank (PA) Checking Account Rates

1.00%-$25kCash Cow - Qualifying
0.15%--Century Club Interest Checking
0.05%--Cash Cow - Non Qualifying
0.05%$1,500-Interest Checking

Community Bank (PA) CD Rates

1.40%$500-84 Month CD
1.20%$500-60 Month CD
0.55%$2,500-33 Month CD Special
0.20%$1k-9 Month CD
0.20%$500-12 Month CD
0.20%$2,500-24 Month Ready Access CD
0.15%$2,500-10 Month CD Special
0.12%$2,500-182 Day CD

Community Bank (PA) has 11 locations. Click to view all Community Bank (PA) locations.