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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 $6.1MQ3 2024Q2 2026
Deposit mix
64%Interest-bearing $86.1M36%Noninterest $48.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.19%, up 38 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.24% of loans (+10 bps YoY), with net charge-offs at 0.06%.
  • 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.

Return on Assets (YTD, annualized)

0.19%+38 bps YoY

Net Interest Margin (YTD, annualized)

2.12%+67 bps YoY

Efficiency Ratio (YTD, annualized)

91.01%-1,362 bps YoY

Tier 1 Leverage Ratio

14.71%+13 bps YoY

NIM

2.75%Q2 ’242.90%Q2 ’253.37%Q2 ’26+25%+46%

Non-interest income vs. expense

2.49%Q2 ’242.55%Q2 ’252.65%Q2 ’26+5%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.42%-0.44%0.10%-0.19%-0.22%-0.32%0.24%0.19%+38 bps
Return on Equity-4.16%-4.31%0.86%-1.61%-1.84%-2.58%1.79%1.43%+304 bps
Net Interest Margin1.16%1.19%1.42%1.45%1.54%1.61%2.06%2.12%+67 bps
Efficiency Ratio118.17%121.13%91.72%104.63%106.67%111.89%87.01%91.01%-1,362 bps
Non-Interest Burden1.54%1.61%1.20%1.56%1.71%1.89%1.68%1.85%+30 bps
Growth
Asset Growth (YoY)3.79%-1.09%1.14%1.53%-3.77%-1.45%-0.65%-0.06%-159 bps
Loan Growth (YoY)12.35%6.34%7.66%4.55%2.93%5.95%7.52%7.81%+326 bps
Deposit Growth (YoY)-3.18%-3.51%-1.52%-0.24%4.91%3.94%5.06%5.25%+549 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.68%0.44%0.13%0.08%0.16%0.18%0.24%+10 bps
Net Charge-Offs / Loans-0.01%-0.01%0.24%0.13%0.08%0.06%0.00%0.06%-6 bps
Allowance / Loans1.32%1.31%1.29%1.32%1.32%1.31%1.32%1.23%-9 bps
Allowance Coverage of NPLs2.5x1.9x2.9x9.9x15.6x8.0x7.4x5.2x-4.7x
Capital
Tier 1 Leverage Ratio14.91%14.80%14.68%14.58%15.07%14.47%14.86%14.71%+13 bps
Total Risk-Based Capital14.91%14.80%14.68%14.58%15.07%14.47%14.86%14.71%+13 bps
Equity / Assets11.32%11.15%11.67%12.14%13.18%13.71%13.26%13.24%+110 bps
Liquidity & Funding
Loans / Deposits40.88%39.63%39.16%40.20%40.10%40.40%40.07%41.18%+98 bps
Liquid Assets / Assets1.29%1.31%1.30%2.02%1.56%3.86%4.02%3.23%+121 bps
CRE / Total Capitaln/an/an/an/a55.32%58.34%56.98%n/an/a