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Clarion County Community Bank

IDRSSD: 3185579
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q3QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #3185579 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.09% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -39

The five pillars

Liquidity

StableQoQ +4
71
Sub-score

Liquidity is stable: brokered 1.7%, loans/deposits 89.9%, cash 2.1% of assets.

Cash / Assets
2.09%
Loans / Deposits
89.93%
Brokered %
1.70%

Watch Items

  • infoCash / Assets below 3% — Cash 2.09% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -3
46
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.92%, CET1 9.92%, leverage 7.81%.

Tier 1 RBC
9.92%
CET1
9.92%
Leverage
7.81%
No watch items at this period.

Asset Quality

StrongQoQ +1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.69%, Texas Ratio 6.8%, NCO YTD 0.04%.

Adjusted NPL
0.69%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.04%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -39
32
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 102.1%, true coverage 58.0%.

ALLL / Loans
0.70%
Coverage
102.1%
True Loss Coverage
58.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.70% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 04:07:10 UTC