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Commonwealth Community Bank, Inc.

Hartford, KY · Cert 8126 · Ohio Cnty Cmty Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$157.7MAssets
$55.5MLoans
$134.8MDeposits
$20.9MEquity
Loan mix
78%RE $42.4M11%C&I $6.2M11%Consumer $6.1MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $86.1M36%Noninterest $48.7MQ2 2025Q2 2026

NIM

2.87%Q2 ’242.90%Q2 ’253.45%Q2 ’26+16%+49%

Non-interest income vs. expense

2.44%Q2 ’242.71%Q2 ’252.80%Q2 ’26+66%+6%

Executive Summary

  • Earnings: ROA of 0.14%, up 64 bps year over year; NIM at 2.18%.
  • Asset quality: problem loans at 0.24% of loans (+10 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 14.71%, up 13 bps from a year ago.
  • Funding: loans stand at 41.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.14%+64 bps YoY

Net Interest Margin (quarter, annualized)

2.18%+71 bps YoY

Efficiency Ratio (quarter, annualized)

94.92%-2,450 bps YoY

Tier 1 Leverage Ratio

14.71%+13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.50%-0.29%-0.62%0.24%0.14%+64 bps
Return on Equity-4.16%-2.28%-4.64%1.79%1.07%+523 bps
Net Interest Margin1.47%1.62%1.94%2.06%2.18%+71 bps
Efficiency Ratio119.41%110.88%132.77%87.01%94.92%-2,450 bps
Non-Interest Burden1.91%1.89%2.54%1.68%2.03%+12 bps
Growth
Asset Growth (YoY)1.53%-3.77%-1.45%-0.65%-0.06%-159 bps
Loan Growth (YoY)4.55%2.93%5.95%7.52%7.81%+326 bps
Deposit Growth (YoY)-0.24%4.91%3.94%5.06%5.25%+549 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.08%0.16%0.18%0.24%+10 bps
Net Charge-Offs / Loans0.02%-0.01%-0.01%0.00%0.13%+11 bps
Allowance / Loans1.32%1.32%1.31%1.32%1.23%-9 bps
Allowance Coverage of NPLs9.9x15.6x8.0x7.4x5.2x-4.7x
Capital
Tier 1 Leverage Ratio14.58%15.07%14.47%14.86%14.71%+13 bps
Total Risk-Based Capital14.58%15.07%14.47%14.86%14.71%+13 bps
Equity / Assets12.14%13.18%13.71%13.26%13.24%+110 bps
Liquidity & Funding
Loans / Deposits40.20%40.10%40.40%40.07%41.18%+98 bps
Liquid Assets / Assets2.02%1.56%3.86%4.02%3.23%+121 bps
CRE / Total Capitaln/a55.32%58.34%56.98%n/an/a