Commercial Bank & Trust of PA
Also written as CB&T of PA
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank & Trust of PA is an FDIC-insured commercial bank headquartered in Latrobe, PA, established in 1934 (FDIC certificate 14333), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $357.5M, down 2.6% from Q2 2025, the 81st largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 26.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14333
- Headquarters
- Latrobe, PA
- Established
- 1934
- Total assets, Q2 2026
- $357.5M
- Assets vs Q2 2025
- -2.6%
- CET1 ratio, Q2 2026
- 26.28%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 043305092
- Latest call report
- Q2 2026, FFIEC 041 · Commercial Bank & Trust of PA Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- COMMERCIAL NATIONAL FINANCIAL CORPORATION
- Asset rank in state
- 81st of 109 in Pennsylvania
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 2,627 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%. The figures come from its call report filed with the FFIEC.
Commercial Bank & Trust of PA ranks as the 81st largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $357.5M, loans fell 1.4% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 65.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 14.3%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in PA; its Latrobe 3 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Commercial Bank & Trust of PA meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 7 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Commercial Bank & Trust of PA's total assets moved between a low of $357.5M (Q2 2026) and a high of $390.7M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$357.5M total assets against $367.2M; $320.8M total liabilities against $335.2M.
$165.6M net loans and leases against $176.0M; $307.7M total deposits against $300.4M.
$154.9M securities against $150.0M; $4.8M cash and balances due against $7.6M.
$3.5M total interest income against $3.6M; $180K total interest expense against $386K.
$3.3M net interest income against $3.2M.
$688K total noninterest income against $693K; $3.5M total noninterest expense against $3.4M.
$8K provision for credit losses against $0.
$503K net income against $463K.
0.52% return on assets against 0.47%; 3.93% net interest margin against 3.65%.
26.28% CET1 capital ratio against 25.41%; 14.74% tier 1 leverage ratio against 14.37%.
Inside the full Commercial Bank & Trust of PA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Bank & Trust of PA rankings
Its closest position to the top of a national ranking is 130 of 2,134, for CET1 ratio; its furthest is 3,385 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.34% (Q3 2024) to 0.59% (Q4 2024) and its net interest margin ran from 3.31% (Q3 2024) to 3.93% (Q2 2026).
| 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
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 98 of 145 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Commercial Bank & Trust of PA headquartered?
It is headquartered in Latrobe, PA, United States.
When was Commercial Bank & Trust of PA founded?
It was established in 1934, per the FDIC institution directory.
Is Commercial Bank & Trust of PA FDIC-insured?
Yes. It 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.
What is Commercial Bank & Trust of PA's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.62% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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