A Crooksville bank with a wider identity
This profile covers The Community Bank (Zanesville, Ohio). [1]
The Community Bank began as The Crooksville Bank in December 1902. Its history describes a town whose merchants and residents previously traveled elsewhere to conduct banking business. A South Zanesville office followed in 1988, and the institution adopted The Community Bank name in 1992 as its service area expanded. These roots matter because the current Zanesville headquarters is not the bank’s original home. [3]
The current legal institution is The Community Bank, FDIC certificate 5981, at 113 North Fifth Street, Zanesville, Ohio. It is a state nonmember bank with the FDIC as its primary federal supervisor. The 2024 CRA evaluation identifies CommunityBanc, Inc., also in Zanesville, as the owner. References to the holding company and the deposit-taking bank therefore should not be used interchangeably. [1][4]
Banking offices and lending centers
The headquarters moved to downtown Zanesville in 2007. The bank subsequently added Frazeysburg, New Concord, Cambridge and Newark offices. Its current history page describes ten banking offices, three lending centers and a wealth-management department, serving Muskingum, Licking, Guernsey, Perry and surrounding areas. [3]
Its later milestones include a Cambridge lending center in 2023 and a downtown Newark lending center in 2024. A lending center is a way to establish borrower relationships without necessarily providing the deposit-taking and transaction services of a full banking office. This distinction helps explain how the institution can extend its lending reach while maintaining a comparatively compact branch network. [3]
Credit for households and operating businesses
The personal-loan menu includes home purchases, refinancing, construction, home equity and vehicle finance. For businesses, the bank distinguishes term loans, equipment financing, operating lines and commercial real estate. A term loan normally supports a defined purchase or project; an operating line addresses cash needs that rise and fall as customers pay invoices and the business pays suppliers. [5][8]
That mix connects the bank to different kinds of repayment risk. Housing credit depends on household resources and property values, while an operating-business loan depends more directly on revenue and cash collection. The bank’s offering does not reveal how much of each category is newly originated, sold or retained. Those distinctions require financial reporting rather than a product list.
Payments make the relationship ongoing
The business-services menu includes digital banking, a fraud-detection service, remote deposit capture, payroll and Automated Clearing House payments, wire transfers and card processing. Remote deposit capture allows a business to submit checks electronically instead of taking each batch to an office. ACH is the network used for many payroll deposits and other bank-to-bank payments. [6]
The bank also describes an automatic sweep into an interest-bearing investment account. A sweep moves money according to agreed rules; its treatment depends on the underlying destination and agreement. More broadly, these payment and cash-management services make a bank part of a company’s day-to-day operations, not just its occasional borrowing decisions. Reliable processing and clear customer authorization remain important operating requirements. [6]
An advisory division with different protections
Community Financial Advisors is presented as a division of The Community Bank. It offers financial planning and investment management, while trust and estate administration are offered by the bank. The public disclosures state that securities and advisory services are through LPL Financial, and that neither The Community Bank nor Community Financial Advisors is registered as a broker-dealer or investment adviser. [7]
Those legal boundaries are consequential for customers. The investment and insurance products described through LPL are not bank deposits, are not FDIC insured or bank guaranteed, and can lose value. A shared brand or office relationship does not make brokerage assets equivalent to checking or savings balances. The bank’s history dates its acquisition of Community Financial Advisors to 2008. [3][7]
Bank-level scale at June 30, 2026
The FDIC financial record shows $680.084 million in assets, $599.508 million in deposits and $475.269 million in net loans and leases at June 30, 2026. Net income was $3.970 million for January through June. These figures describe the insured bank rather than a consolidated CommunityBanc annual report, and all monetary figures have been converted from the source’s thousands into millions. [2]
The same record reports $398.942 million in real-estate-secured loans and $101.368 million in securities. Deposits fund a combination of loans, securities and other assets; subtracting deposits from assets would not produce a measure of capital because other liabilities also matter. Product availability and a large deposit base alone do not establish profitability, or resilience under stress. [2]
What the community-credit examination establishes
The FDIC’s February 23, 2024 evaluation rated the bank Satisfactory overall and on both the lending and community-development tests. Examiners found that a substantial majority of home-mortgage and small-business lending was within its assessment areas, with reasonable geographic and borrower distribution. These are findings about the reviewed activity and period. [4]
The relevant continuing questions include local housing demand, small-business repayment capacity, deposit costs and the operation of payment systems. CRA results provide evidence about meeting community credit needs; they do not resolve those financial questions or establish a current safety rating. This profile makes no such inference.
Sources
- FDIC BankFind: legal institution and statusOfficial sourceBack to text: ↑1↑2
- FDIC bank financial reports, June 30, 2026; dollars in thousandsOfficial sourceBack to text: ↑1↑2
- The Community Bank: history and office milestonesSourceBack to text: ↑1↑2↑3↑4
- FDIC: February 23, 2024 CRA evaluation, bank-hosted copySource · PDFBack to text: ↑1↑2
- The Community Bank: business lendingSourceBack to text: ↑
- The Community Bank: business payment and cash servicesSourceBack to text: ↑1↑2
- Community Financial Advisors: services and legal disclosuresSourceBack to text: ↑1↑2
- The Community Bank: consumer and deposit service menuSourceBack to text: ↑