Clarion County Community Bank

What Clarion County Community Bank does

Clarion County Community Bank (CCCB) is a Pennsylvania-chartered community bank founded in 2002 and opened in January 2004, headquartered at 333 Main Street, Clarion, PA. The bank operates five physical branches across northwestern Pennsylvania — Clarion, New Bethlehem, Rimersburg, Franklin, and Erie (the last operating under the Flagship Community Bank banner) — and is owned by publicly traded holding company CCCB Bancorp, Inc. (OTC Pink: CCYY). With approximately 50 employees, CCCB serves individual consumers and small-to-mid-size businesses with a full suite of deposit products (checking, savings, money market, CDs, IRAs) and lending products (home mortgages, construction loans, home equity lines, personal/auto loans, business real estate, equipment, lines of credit, and installment loans).

The bank's technology stack is built entirely on third-party platforms: Fiserv powers its mobile and online banking infrastructure (including the CCCB and CCCB Biz apps for iOS and Android), Zelle (via Early Warning Services) handles P2P payments, and add-on modules include CardValet for card controls, Notifi for real-time alerts, BILLPAY for online bill payment, and eDeposit Capture for business remote deposit. Security relies on GeoTrust SSL, multi-factor authentication, and standard regulatory safeguards. The bank holds a 5-star BauerFinancial rating and is FDIC-insured.

Revenue is generated through net interest income on loans and deposits (variable and fixed rate products), monthly service charges on accounts falling below minimum balance thresholds, excess transaction fees, and certificate of deposit fee income. Deposit pricing is publicly disclosed (e.g., Community Money Market at 0.20-0.50% APY, CDs at 2.20-3.60% APY); loan pricing requires direct contact. The go-to-market motion is direct-to-consumer via physical branches complemented by digital channels (online, mobile, telephone banking 24/7), with marketing spanning the corporate website, Facebook, LinkedIn, and a Switch Kit program for account conversion.

Name

Clarion County Community Bank

Legal name

Clarion County Community Bank

Website

https://clarionbank.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Community banking
• Retail deposit accounts
• Commercial lending
• Residential mortgages
• Digital banking services

Headquarters

HQ city

Clarion

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income on Loans: Primary revenue stream from interest charged on mortgage loans, business loans, personal loans, home equity lines of credit, equipment loans, and lines of credit. Both fixed and variable rate products offered.
2. Service Charges and Fees: Monthly maintenance fees on accounts falling below minimum balance requirements; excess transaction fees on money market and checking accounts; service charges for various account types
3. Deposit Account Fees: Certificate of Deposit products with various terms generating fee income; HSA account fees
4. Money Market Account Fees: Monthly service charges and excess debit transaction fees on Community Plus Money Market accounts

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels7 records

Core offering

Clarion County Community Bank is a Pennsylvania-based community bank that provides personal and business deposit products (checking, savings, money market, certificates of deposit, and IRAs) and a full suite of lending products (residential mortgages, construction, home equity, personal, auto, business real estate, equipment financing, lines of credit, and installment loans). The bank serves individuals, families, and small-to-mid-sized businesses through five branch offices across Clarion County and a digital channel suite including online banking, a mobile app, BILLPAY, Zelle person-to-person payments, telephone banking, and an extensive ATM network.

Product overview

Clarion County Community Bank operates as a traditional community bank offering a comprehensive suite of personal and business banking products. The core portfolio includes multiple checking account tiers (Community Checking, Community Plus Checking, Community Money Market Checking), savings accounts (Community Savings, Community Plus Savings, Youth Savings, Christmas Club), and certificate of deposit products including IRAs. Lending offerings span personal loans, auto loans, home mortgages, construction loans, home equity lines of credit, and business credit facilities (real estate loans, equipment loans, lines of credit, installment loans). Digital banking services include online banking, mobile banking with check deposit capture, BILLPAY, Zelle P2P payments, CardValet card controls, and Notifi alerts. Additional services include VISA debit cards, credit cards, safe deposit boxes, night deposit, cashier's checks, lockbox, and switch kits. The bank is FDIC-insured and operates five branch locations in Pennsylvania.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts
• Personal Savings and Money Market Accounts
• Certificates of Deposit (CDs)
• Individual Retirement Accounts (IRAs)
• Residential Mortgage Loans
• Construction Loans
• Home Equity Loans and Lines of Credit
• Personal Loans
• Auto Loans
• Business Checking Accounts
• Business Savings and Money Market Accounts
• Business Real Estate Loans
• Equipment Financing
• Business Lines of Credit
• Small Business Administration (SBA) Loans
• Business Installment Loans
• Online Banking
• Mobile Banking App
• BILLPAY
• Telephone Banking (Telebank)
• Zelle Person-to-Person Payments
• eDeposit Capture (Remote Deposit)
• Safe Deposit Boxes
• Cashier's Checks and Money Orders
• Night Depository
• Visa Gift Cards
• Wire Transfer Services

Quantifiable outcome

• 5-Star BauerFinancial Rating - nation's bank rating service
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core.

• FiservcoreTechnology or IntegrationFiserv powers the mobile banking application (CCCB App and Mobiliti) enabling customers to control credit/debit cards through mobile devices with features including real-time balances, transfers, bill pay, mobile deposit, and alerts.
• ZellecoreTechnology or IntegrationZelle is integrated into online banking and mobile banking for fast, safe money transfers between bank accounts using email or U.S. mobile phone numbers. Funds typically transfer within minutes.
• Freedom ATM AlliancecoreTechnology or IntegrationNetwork of surcharge-free ATMs providing customers fee-free cash withdrawals at Freedom ATM Alliance locations.
• Allpoint NetworkcoreTechnology or IntegrationSurcharge-free ATM network providing fee-free cash access at thousands of Allpoint ATM locations nationwide.
• OTC Markets GroupcoreTechnology or IntegrationCCCB Bancorp, Inc. common stock trades on the OTC Pink Marketplace under the symbol CCYY, operated by OTC Markets Group.
• Continental Stock Transfer & Trust CompanycoreOthersStock transfer company handling shareholder relations for CCCB Bancorp, Inc. Located at 1 State Street, 30th Floor, New York, NY 10004-1561.
• BauerFinancialcoreOthersBank rating service that has analyzed and reported on the nation's banking industry since 1983. Awarded Clarion County Community Bank a 5-star rating indicating highest financial strength.
• GeoTrustcoreTechnology or IntegrationSSL certificate provider securing the Clarion County Community Bank website with encryption technology.
• IntuitcoreTechnology or IntegrationIntuit integration enables customers to export transaction data from online banking into QuickBooks, Quicken, Microsoft Money, and Excel formats. Conversion documents available for QuickBooks Mac, Windows, Online and Quicken platforms.
• Early Warning ServicescoreTechnology or IntegrationOwner of Zelle network and related marks. Zelle and Zelle-related marks are wholly owned by Early Warning Services, LLC and used under license by Clarion County Community Bank.

Scale indicators6 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• PNC Financial Services: Major Pittsburgh-headquartered regional bank with a significant Pennsylvania branch network overlapping CCCB's markets; competes across consumer, mortgage, and small-business banking but at vastly greater scale.

Others

• Fiserv: Core technology provider for CCCB's digital banking platform (CCCB and CCCB Biz mobile apps, online banking). Comparable as an enabling technology/infrastructure vendor rather than a competitor, but central to CCCB's product roadmap.

Direct peers

• Penn Community Bank: Bucks County, PA-headquartered community bank with a similar focus on personalized service, small-business lending, and consumer banking products across a regional PA footprint — comparable in size tier and GTM.
• Marquette Savings Bank: Erie, PA-based mutual savings bank with community-bank positioning and a comparable deposit/lending suite — a particularly relevant local peer given CCCB's Erie (Flagship) branch entry.
• FNCB Bank (First National Community Bancorp): Northeastern Pennsylvania community bank with a comparable full suite of personal/business deposit and loan products, serving a similar customer profile of individuals, families, and small businesses.
• First Commonwealth Financial: Indiana, PA-headquartered community bank with branches across western and central Pennsylvania — a close geographic, size-tier, and product-line competitor serving similar small-business and consumer customers as CCCB.
• ESSA Bank & Trust: Pennsylvania-based community bank headquartered in Stroudsburg with a similar branch-banking model, full deposit/lending product set, and comparable small/mid-cap bank profile to CCCB.
• S&T Bank: Pennsylvania-based community bank headquartered in Indiana, PA, with a comparable branch footprint across western and central PA, similar product suite (consumer/business deposits and lending), and a community-bank value proposition directly competitive with CCCB.
• CNB Bank (Central National Bancorp): Central Pennsylvania community bank serving individuals and small businesses with a comparable product mix (deposits, mortgages, business loans) and a regional PA footprint that overlaps with CCCB's geography.
• Northwest Bank: Headquartered in Warren, PA (now part of Northwest Bancshares), Northwest operates a comparable Pennsylvania community-banking franchise with similar deposit/lending products and a multi-branch western/central PA footprint.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/clarionbank
• LinkedInlinkedin.com/company/clarion-county-community-bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clarion County Community Bank