Burlington, KY · Cert 33119 · Commonwealth Holdings L L C
State charter, non-member · FDIC · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
46
Profitability
49
Liquidity
0
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Burlington, KY · Cert 33119 · Commonwealth Holdings L L C
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 1.0% share · #7 of 54 inst. · $1.8B of $187.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.94% | 0.89% | 0.96% | 1.00% | 1.08% | 1.00% | 1.03% | +8 bps | |
| Return on Equity | 14.26% | 16.77% | 15.53% | 16.22% | 16.40% | 17.64% | 15.11% | 15.18% | -104 bps | |
| Net Interest Margin | 2.41% | 2.40% | 3.07% | 3.08% | 3.12% | 3.02% | 3.28% | 3.39% | +31 bps | |
| Efficiency Ratio | 69.98% | 65.95% | 65.76% | 64.75% | 64.96% | 63.67% | 61.46% | 62.67% | -208 bps | |
| Non-Interest Burden | 1.54% | 1.40% | 1.72% | 1.73% | 1.76% | 1.67% | 1.79% | 1.88% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.07% | 6.68% | 2.79% | 4.91% | 7.93% | 11.30% | 10.05% | 9.25% | +434 bps | |
| Loan Growth (YoY) | 10.37% | 10.77% | 12.42% | 10.46% | 12.18% | 10.77% | 9.42% | 2.84% | -763 bps | |
| Deposit Growth (YoY) | 9.27% | 6.32% | 2.91% | 5.03% | 6.76% | 11.38% | 9.33% | 8.12% | +309 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.43% | 0.21% | 0.36% | 0.29% | 0.31% | 0.27% | 0.47% | +11 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.09% | 0.01% | 0.00% | 0.06% | 0.16% | 0.12% | +11 bps | |
| Allowance / Loans | 1.06% | 1.06% | 1.09% | 1.12% | 1.12% | 1.12% | 1.15% | 1.18% | +6 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.5x | 5.1x | 3.1x | 3.9x | 3.7x | 4.3x | 2.5x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.23% | 8.01% | 8.52% | 8.57% | 8.74% | 8.39% | 8.58% | 9.01% | +44 bps | |
| Total Risk-Based Capital | 11.52% | 11.54% | 11.84% | 11.80% | 11.76% | 12.23% | 12.57% | 12.97% | +117 bps | |
| Equity / Assets | 6.30% | 5.50% | 5.97% | 6.23% | 6.60% | 6.41% | 6.81% | 7.23% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.80% | 66.18% | 68.96% | 71.35% | 73.35% | 65.82% | 69.01% | 67.86% | -349 bps | |
| Liquid Assets / Assets | 3.01% | 8.51% | 4.47% | 3.18% | 5.11% | 12.76% | 8.78% | 10.05% | +687 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 492% | 476% | 478% | n/a | n/a | |
Burlington, KY · Cert 33119 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Commonwealth Holdings L L C
State charter, non-member · FDIC · 19 branches
Q2 2026
Return on Assets
1.05%
Rank 118 of 176
Net Interest Margin
3.39%
Rank 111 of 176
Efficiency Ratio
63.82%
Rank 112 of 176
Equity / Assets
7.23%
Rank 168 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.93% | 1.26% | 1.54% | Beats 33% | 118 / 176 | ||
| Return on Equity | 14.56% | 9.26% | 11.89% | 14.46% | Beats 77% | 41 / 176 | ||
| Net Interest Margin | 3.39% | 3.25% | 3.59% | 3.93% | Beats 37% | 111 / 176 | ||
| Efficiency Ratio | 63.82% | 52.79% | 59.55% | 67.66% | Beats 37% | 112 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.30% | 0.64% | 1.32% | Beats 62% | 68 / 176 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 30% | 125 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.86% | 11.15% | 12.72% | 14.15% | Beats 39% | 107 / 176 | ||
| Total Risk-Based Capital Ratio | 12.97% | 11.81% | 13.63% | 15.33% | Beats 40% | 105 / 176 | ||
| Equity / Assets | 7.23% | 9.16% | 10.35% | 11.80% | Beats 5% | 168 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.86% | 80.94% | 89.73% | 97.21% | 6th pctl | 166 / 176 | ||
| Loans / Assets | 62.15% | 69.25% | 75.12% | 80.82% | 10th pctl | 159 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||