Commonwealth Community Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Commonwealth Community Bank, Inc. is an FDIC-insured commercial bank headquartered in Hartford, KY, established in 1928 (FDIC certificate 8126), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $157.7M, up 0.2% from Q2 2025, the 93rd largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.71% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8126
- Headquarters
- Hartford, KY
- Established
- 1928
- Total assets, Q2 2026
- $157.7M
- Assets vs Q2 2025
- +0.2%
- Tier 1 leverage ratio, Q2 2026
- 14.71%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083907667
- Latest call report
- Q2 2026, FFIEC 051 · Commonwealth Community Bank, Inc. call report
- Holding company
- OHIO COUNTY COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 93rd of 120 in Kentucky
Commonwealth Community Bank, Inc. spends more to run itself than most banks of its size. The Hartford, Kentucky bank had $158 million in assets at June 30, 2026. It earns about $0.19 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 93 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $2.4 million equal 11% of Tier 1 capital, down from 17% a year earlier. Its margin is thin by comparison: it keeps 2.46 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Commonwealth Community Bank, Inc. reported a return on assets of 0.19%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 0.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commonwealth Community Bank, Inc. is the 93rd largest of the 120 banks headquartered in Kentucky. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 1.7% and deposits fell 1.1%. 1-4 family residential loans made up 51.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 12.4%. The FDIC Summary of Deposits lists 3 offices for it, in Hartford, KY, Greenville, KY and Fordsville, KY; its Hartford office books 70% of its branch deposits. On its Q2 2026 call report, Commonwealth Community Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 830 S Main St, Hartford, KY 42347
- County
- Ohio
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 5, 1928
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $134.8M
- Allowance for credit losses
- $685K
- Net charge-offs (YTD)
- $18K
- Average total assets
- $152.0M
- Average total loans
- $53.3M
- Average interest-bearing deposits
- $87.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8126
- Fed RSSD
- 541642
- Website
- www.cwcbankhb.com →
- Parent Holding Company
- OHIO COUNTY COMMUNITY BANCSHARES, INC. (RSSD 1951127)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Commonwealth Community Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Commonwealth Community Bank, Inc.'s total assets moved between a low of $150.2M (Q3 2025) and a high of $158.4M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$157.7M total assets against $157.5M; $136.9M total liabilities against $138.7M.
$54.8M net loans and leases against $50.8M; $134.8M total deposits against $128.1M.
$82.5M securities against $83.8M; $7.6M cash and balances due against $10.9M.
$1.3M total interest income against $1.1M; $484K total interest expense against $558K.
$829K net interest income against $573K.
$292K total noninterest income against $476K; $1.1M total noninterest expense against $1.1M.
-$14K provision for credit losses against $24K.
$71K net income against -$37K.
0.19% return on assets against -0.09%; 2.46% net interest margin against 1.61%.
14.71% tier 1 leverage ratio against 14.36%.
Inside the full Commonwealth Community Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommonwealth Community Bank, Inc. rankings
Its closest position to the top of a national ranking is 3,238 of 4,196, for total assets; its furthest is 3,502 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.91% (Q4 2024) to 0.31% (Q1 2026) and its net interest margin ran from 1.29% (Q3 2024) to 2.46% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.71% | 0.19% | 0.24% | 0.61% | 2.46% |
| Q1 2026 | 14.86% | 0.31% | 0.18% | 0.45% | 2.30% |
| Q4 2025 | 14.58% | -0.17% | 0.16% | 0.40% | 2.25% |
| Q3 2025 | 14.85% | -0.30% | 0.08% | 0.22% | 1.80% |
| Q2 2025 | 14.36% | -0.09% | 0.13% | 0.35% | 1.61% |
| Q1 2025 | 14.55% | -0.72% | 0.44% | 1.18% | 1.57% |
| Q4 2024 | 14.69% | -0.91% | 0.68% | 1.93% | 1.40% |
| Q3 2024 | 14.91% | -0.61% | 0.53% | 1.46% | 1.29% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Commonwealth Community Bank, Inc. (main office) | Hartford , KY | 42347 | $94.1M |
| Airport Branch | Greenville , KY | 42345 | $22.6M |
| Fordsville Branch | Fordsville , KY | 42343 | $18.1M |
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 |
|---|---|---|---|
| August 20, 1994 | Structure Change | Acquired Bank of Fordsville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 1967 | Structure Change | Acquired Farmers Bank 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 115 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 8 loans, $1.7M approved, $208K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Commonwealth Community Bank, Inc.
What are Commonwealth Community Bank, Inc.'s total assets?
As of the Q2 2026 filing, Commonwealth Community Bank, Inc. reported total assets of $157.7 million in its FFIEC call report.
Where is Commonwealth Community Bank, Inc. headquartered?
It is headquartered in Hartford, KY, United States.
When was Commonwealth Community Bank, Inc. founded?
It was established in 1928, per the FDIC institution directory.
Is Commonwealth Community Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commonwealth Community Bank, Inc.?
Commonwealth Community Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does Commonwealth Community Bank, Inc. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commonwealth Community Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.61% 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.
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