Commonwealth Community Bank, Inc.
Hartford, KY · Cert 8126 · Peer group: banks under $1B in assets in KY (n=69) · Ohio Cnty Cmty Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$157.7MAssets
$55.5MLoans
$134.8MDeposits
$20.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 77% of banks under $1B in assets in KY (rank 16 of 69).
- Widest gap: efficiency ratio trails 97% of banks under $1B in assets in KY (rank 68 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.19%
Rank 67 of 69
Net Interest Margin
2.12%
Rank 67 of 69
Efficiency Ratio
91.01%
Rank 68 of 69
Equity / Assets
13.24%
Rank 16 of 69
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 3% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.19% | 0.83% | 1.18% | 1.44% | Beats 3% | 67 / 69 | |
| Return on Equity | 1.43% | 7.64% | 11.70% | 15.70% | Beats 3% | 67 / 69 | |
| Net Interest Margin | 2.12% | 3.45% | 3.75% | 3.96% | Beats 3% | 67 / 69 | |
| Efficiency Ratio | 91.01% | 55.32% | 62.99% | 70.80% | Beats 3% | 68 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.18% | 0.52% | 1.14% | Beats 67% | 24 / 69 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.06% | Beats 35% | 46 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 14.71% | 11.33% | 13.58% | 16.27% | Beats 61% | 27 / 69 | |
| Total Risk-Based Capital Ratio | 14.71% | 11.55% | 14.43% | 17.27% | Beats 51% | 34 / 69 | |
| Equity / Assets | 13.24% | 8.31% | 9.91% | 12.53% | Beats 77% | 16 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 41.18% | 71.40% | 81.07% | 88.03% | 3rd pctl | 67 / 69 | |
| Loans / Assets | 35.19% | 61.10% | 68.66% | 76.68% | 3rd pctl | 67 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |