A bank's earnings performance affects its safety and soundness. Earnings can be retained by the bank, boosting its capital cushion, or be used to address problematic loans, likely making the bank more resilient in times of trouble. Conversely, losses diminish a bank's ability to do those things.
Community Bank, National Association scored 18 out of a possible 30 on Bankrate's test of earnings, above the national average of 15.12.
One widely used measure of a bank's earnings is return on equity, or net income (profit, basically) divided by the total amount of equity. Community Bank, National Association's most recent annualized quarterly return on equity was 9.91 percent, above the national average of 8.10 percent.
The bank reported net income of $129.5 million on total equity of $1.48 billion for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 1.32 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.