COMMERCIAL BANK & TRUST OF PA

LATROBE, PA | Small | Est. May 4, 1934, midnight | FDIC #14333 | RSSD #945026 | FDIC
Latest Report: 2025-12-31

COMMERCIAL BANK & TRUST OF PA is asn small FDIC-insured commercial bank headquartered in LATROBE, PA, established in May 4, 1934, midnight. As of 2025-12-31, the bank reported total assets of $362M and total deposits of $306M. Profitability stands at 0.58% ROA and 5.86% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 25.91%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.37%. FDIC Certificate #14333.

Assets

$362M

Deposits

$306M

Loans

$170M

Equity

$37M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 5.86%
Net Interest Margin (NIM) 3.86%
Yield on Assets 4.20%
Cost of Funds 0.35%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio --
Texas Ratio 0.37%
NPA Ratio 0.04%
ACL / Loans 0.47%

Capital & Liquidity

CET1 Ratio 25.91%
Tier 1 Capital 25.91%
Total Capital Ratio 26.28%
Leverage Ratio 14.44%
Loan-to-Deposit 55.63%

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