COMMONWEALTH COMMUNITY BANK, INC.

HARTFORD, KY | Small | Est. July 5, 1928, midnight | FDIC #8126 | RSSD #541642 | FDIC
Latest Report: 2025-12-31

COMMONWEALTH COMMUNITY BANK, INC. is asn small FDIC-insured commercial bank headquartered in HARTFORD, KY, established in July 5, 1928, midnight. As of 2025-12-31, the bank reported total assets of $152M and total deposits of $131M. Profitability stands at -0.62% ROA and -4.64% ROE, with a net interest margin of 2.14%. The bank's CET1 capital ratio is 13.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.05%. FDIC Certificate #8126.

Assets

$152M

Deposits

$131M

Loans

$53M

Equity

$21M

Profitability

Return on Assets (ROA) -0.62%
Return on Equity (ROE) -4.64%
Net Interest Margin (NIM) 2.14%
Yield on Assets 3.50%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.05%
NPA Ratio 0.01%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 13.71%
Tier 1 Capital 13.71%
Total Capital Ratio 14.40%
Leverage Ratio 14.47%
Loan-to-Deposit 40.40%

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