COMMERCIAL BANK & TRUST OF PA
COMMERCIAL BANK & TRUST OF PA is an FDIC-insured commercial bank headquartered in LATROBE, PA, established in 1934. As of , 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 3.66%. CET1 capital ratio: 25.91%, well above regulatory minimums. NPL ratio: 0.08% · Texas Ratio: 0.37%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Commercial Bank & Trust of Pa rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 25.91% | 0.58% | 0.08% | 0.37% | 3.66% |
| 2025-09-30 | 25.29% | 0.49% | 0.08% | 0.38% | 3.55% |
| 2025-06-30 | 25.41% | 0.50% | 0.05% | 0.28% | 3.54% |
| 2025-03-31 | 25.19% | 0.47% | 0.06% | 0.34% | 3.44% |
| 2024-12-31 | 24.90% | 0.63% | 0.06% | 0.35% | 3.38% |
| 2024-09-30 | 24.55% | 0.36% | 0.05% | 0.25% | 3.29% |
| 2024-06-30 | 24.13% | 0.37% | 0.05% | 0.29% | 3.32% |
| 2024-03-31 | 24.32% | 0.55% | 0.01% | 0.07% | 3.38% |
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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 Q4 2025 filing, Commercial Bank & Trust of Pa reported total assets of $362.4 million in its most recent 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 required of all FDIC-insured commercial banks.
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 25.91% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Commercial Bank & Trust of Pa operate?
Commercial Bank & Trust of Pa operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Commercial Bank & Trust of Pa's Texas Ratio?
Commercial Bank & Trust of Pa's Texas Ratio is 0.37% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.