Commercial Bank & Trust of PA: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank & Trust of PA spends more to run itself than most banks of its size. Its balance sheet stood at $357 million at June 30, 2026, down 2.6% from a year earlier; it is based in Latrobe, Pennsylvania. It spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 0.16% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $25 million equal 45% of Tier 1 capital, down from 56% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 6.0% and deposits rose 2.4%. Profitability lags: it earns about $0.52 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Commercial Bank & Trust of PA reported a CET1 capital ratio of 26.28%, a return on assets of 0.52%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.62%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 900 Ligonier St, Latrobe, PA 15650
- County
- Westmoreland
- Metro Area
- Pittsburgh, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 4, 1934
- Former names
- Commercial Bank and Trust of PA (2004); Commercial Bank of Pennsylvania (2003-2004); Commercial National Bank of Pennsylvania (1999-2003); Commercial National Bank of Westmoreland County (1963-1999)
- Offices
- 7 domestic
- Employees (FTE)
- 71
- Domestic deposits
- $307.7M
- Allowance for credit losses
- $738K
- Net charge-offs (YTD)
- $46K
- Average total assets
- $385.1M
- Average total loans
- $167.8M
- Average interest-bearing deposits
- $294.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 4, 1934
- FDIC Cert
- 14333
- Fed RSSD
- 945026
- SEC CIK
- 866054 → filed by COMMERCIAL NATIONAL FINANCIAL CORPORATION
- Website
- WWW.cbthebank.com →
- Parent Holding Company
- COMMERCIAL NATIONAL FINANCIAL CORPORATION (RSSD 1823738)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Commercial Bank & Trust of PA terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Commercial Bank & Trust of PA, freeCommercial Bank & Trust of PA rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.28% | 0.52% | 0.14% | 0.62% | 3.93% |
| Q1 2026 | 25.93% | 0.52% | 0.05% | 0.26% | 3.82% |
| Q4 2025 | 25.91% | 0.54% | 0.08% | 0.37% | 3.77% |
| Q3 2025 | 25.29% | 0.46% | 0.08% | 0.38% | 3.65% |
| Q2 2025 | 25.41% | 0.47% | 0.05% | 0.28% | 3.65% |
| Q1 2025 | 25.19% | 0.44% | 0.06% | 0.34% | 3.53% |
| Q4 2024 | 24.90% | 0.59% | 0.06% | 0.35% | 3.54% |
| Q3 2024 | 24.55% | 0.34% | 0.05% | 0.25% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank and Trust of Pa | Latrobe , PA | 15650 | $50.3M |
| Lincoln Road Branch | Latrobe , PA | 15650 | $50.0M |
| Lawson Heights Branch | Latrobe , PA | 15650 | $48.2M |
| Ligonier Branch | Ligonier , PA | 15658 | $43.9M |
| Eastgate Branch | Greensburg , PA | 15601 | $41.2M |
| West Newton Branch | West Newton , PA | 15089 | $40.9M |
| Pleasant Unity Branch | Pleasant Unity , PA | 15676 | $33.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 31, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2004 | Structure Change | Acquired Highview Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Commercial Bank & Trust of PA, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 98 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 81 applications, 52 loans originated, $6.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Commercial Bank & Trust of PA
What are Commercial Bank & Trust of PA's total assets?
As of the Q2 2026 filing, Commercial Bank & Trust of PA reported total assets of $357.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial Bank & Trust of PA headquartered?
Commercial Bank & Trust of PA is headquartered in Latrobe, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Commercial Bank & Trust of PA founded?
Commercial Bank & Trust of PA was established in 1934, per the FDIC institution directory.
Is Commercial Bank & Trust of PA FDIC-insured?
Yes. Commercial Bank & Trust of PA is an FDIC-insured commercial bank (FDIC Certificate #14333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank & Trust of PA?
Commercial Bank & Trust of PA's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commercial Bank & Trust of PA's CET1 capital ratio?
Commercial Bank & Trust of PA reported a Common Equity Tier 1 (CET1) capital ratio of 26.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial Bank & Trust of PA operate?
Commercial Bank & Trust of PA operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank & Trust of PA's Texas Ratio?
Commercial Bank & Trust of PA's Texas Ratio is 0.62% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Commercial Bank & Trust of PA previously called?
The charter now named Commercial Bank & Trust of PA has also operated as Commercial Bank and Trust of PA (2004), Commercial Bank of Pennsylvania (2003-2004), Commercial National Bank of Pennsylvania (1999-2003), Commercial National Bank of Westmoreland County (1963-1999), per FDIC structure-change records.
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