Commonwealth Community Bank, Inc.: 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 Securities to assets: 1.16 percentage points higher than in Q1 2026, at 52.31%. On return on assets, Commonwealth Community Bank, Inc. is 4th from the bottom among 119 Kentucky banks, 0.19% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Commonwealth Community Bank, Inc. reported 0.19% on return on assets in Q2 2026, 1.07 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.71% |
| Equity capital to assets | 13.24% |
| Tangible equity to tangible assets | 13.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 0.61% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.19% |
| Return on equity | 1.36% |
| Net interest margin | 2.46% |
| Efficiency ratio | 92.57% |
| Yield on earning assets | 3.86% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.18% |
| Core deposits to total deposits | 89.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.46% |
| Securities to assets | 52.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.19% | 0.01% | 1.80% | 0.30% | -0.07% |
| Q4 2023 | 15.73% | -0.92% | 1.45% | 0.29% | 0.00% |
| Q1 2024 | 15.02% | -0.77% | 1.12% | 0.37% | -0.03% |
| Q2 2024 | 15.12% | 0.12% | 1.37% | 0.36% | 0.00% |
| Q3 2024 | 14.91% | -0.61% | 1.29% | 0.33% | 0.00% |
| Q4 2024 | 14.69% | -0.91% | 1.40% | 0.48% | -0.02% |
| Q1 2025 | 14.55% | -0.72% | 1.57% | 0.38% | 0.25% |
| Q2 2025 | 14.36% | -0.09% | 1.61% | 0.04% | 0.02% |
| Q3 2025 | 14.85% | -0.30% | 1.80% | 0.04% | -0.01% |
| Q4 2025 | 14.58% | -0.17% | 2.25% | 0.02% | -0.01% |
| Q1 2026 | 14.86% | 0.31% | 2.30% | 0.04% | 0.00% |
| Q2 2026 | 14.71% | 0.19% | 2.46% | 0.00% | 0.14% |
Commonwealth Community Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Community Bank, Inc., 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 Commonwealth Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8126) · FFIEC NIC profile (RSSD 541642)