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 | |