Commercial Bank & Trust of PA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Bank & Trust of PA of Latrobe, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.52% | 1.34% | -0.82% | 14th bottom |
| ROAE | 5.63% | 13.32% | -7.69% | 16th bottom |
| Net Interest Margin | 3.93% | 3.93% | +0.00% | 49th below |
| Efficiency Ratio | 85.55% | 61.13% | +24.42% | 9th bottom |
| PPNR / Avg Assets | 0.49% | 1.68% | -1.19% | 8th bottom |
| Yield on Earning Assets | 4.14% | 5.67% | -1.53% | 4th bottom |
| Cost of Funds | 0.16% | 1.88% | -1.72% | 100th top |
| Net Interest Spread | 3.71% | 3.32% | +0.39% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 75th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.44% | 1.28% | -0.84% | 2nd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 320.87% | 1539.13% | -1218.26% | 62nd above |
| Texas Ratio | 0.62% | 7.33% | -6.71% | 78th top |
| Provision / NCO | -43.48% | 1396.25% | -1439.73% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 26.28% | 19.50% | +6.78% | 90th top |
| Tier 1 Ratio | 26.28% | 19.53% | +6.75% | 90th top |
| Total Capital Ratio | 26.62% | 20.62% | +6.00% | 89th top |
| Leverage Ratio | 14.74% | 12.14% | +2.60% | 85th top |
| Equity / Assets | 10.25% | 11.37% | -1.12% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.25% | 11.09% | -0.84% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.05% | 80.65% | -26.60% | 88th top |
| Core Deposit Ratio | 100.00% | 86.86% | +13.14% | 100th top |
| Wholesale Funding Ratio | 3.00% | 5.03% | -2.03% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.64% | 6.86% | -9.50% | 9th bottom |
| Loan Growth (Y/Y) | -6.00% | 7.91% | -13.91% | 6th bottom |
| Deposit Growth (Y/Y) | 2.40% | 6.29% | -3.89% | 38th below |
See Commercial Bank & Trust of PA's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial Bank & Trust of PA, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Commercial Bank & Trust of PA profile, how to read a UBPR, or how this data updates.