Commercial Bank & Trust of PA: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 472.61 percentage points lower than in Q1 2026, at 320.87%. Commercial Bank & Trust of PA ranks 91st of 109 Pennsylvania banks on return on assets, in the lower half at 0.52% (Q2 2026). Commercial Bank & Trust of PA's return on assets of 0.52% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.28% |
| Tier 1 risk-based capital ratio | 26.28% |
| Total risk-based capital ratio | 26.62% |
| Tier 1 leverage ratio | 14.74% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 10.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.62% |
| Allowance for credit losses to loans | 0.44% |
| Reserve coverage of non-performing loans | 320.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 5.63% |
| Net interest margin | 3.93% |
| Efficiency ratio | 85.55% |
| Yield on earning assets | 4.14% |
| Cost of funds | 0.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.05% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.07% |
| Securities to assets | 43.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.98% | 23.98% | 24.46% | 13.49% | 0.84% |
| Q4 2023 | 24.35% | 24.35% | 24.84% | 13.50% | 0.44% |
| Q1 2024 | 24.32% | 24.32% | 24.80% | 13.78% | 0.51% |
| Q2 2024 | 24.13% | 24.13% | 24.61% | 13.74% | 0.34% |
| Q3 2024 | 24.55% | 24.55% | 25.02% | 13.82% | 0.34% |
| Q4 2024 | 24.90% | 24.90% | 25.28% | 14.01% | 0.59% |
| Q1 2025 | 25.19% | 25.19% | 25.57% | 14.15% | 0.44% |
| Q2 2025 | 25.41% | 25.41% | 25.79% | 14.37% | 0.47% |
| Q3 2025 | 25.29% | 25.29% | 25.68% | 14.26% | 0.46% |
| Q4 2025 | 25.91% | 25.91% | 26.28% | 14.44% | 0.54% |
| Q1 2026 | 25.93% | 25.93% | 26.26% | 14.64% | 0.52% |
| Q2 2026 | 26.28% | 26.28% | 26.62% | 14.74% | 0.52% |
Commercial Bank & Trust of PA vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank & Trust of PA, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercial Bank & Trust of PA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14333) · FFIEC NIC profile (RSSD 945026)