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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Latrobe, PA · FDIC certificate #14333
COMMERCIAL BANK&TRUST OF PA is an FDIC-insured institution based in Latrobe, PA (FDIC certificate #14333). In its Q3 2026 Call Report it reported total assets of $393M, total deposits of $306M and net loans of $159M. Its primary federal regulator is FDIC.
Plain-language readout
COMMERCIAL BANK&TRUST OF PA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $393M in Q3 2026 and were lowest at $357M in Q2 2026.
Total deposits were highest at $308M in Q2 2026 and lowest at $303M in Q1 2026.
Over the whole period total assets rose 9.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $393M | $306M | $159M | 0.62% | 6.76% | 4.02% |
| Q2 2026 | $357M | $308M | $166M | 0.56% | 5.60% | 4.07% |
| Q1 2026 | $360M | $303M | $168M | 0.56% | 5.67% | 4.01% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.8M | $5.5M | -$673K | -12.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $154.9M | $153.3M | +$1.6M | +1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $165.6M | $167.9M | -$2.3M | -1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.9M | -$74K | -2.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $29.3M | $30.1M | -$790K | -2.6% |
| Total assets | $357.5M | $359.7M | -$2.3M | -0.6% |
| Liabilities | ||||
| Total deposits | $307.7M | $302.9M | +$4.8M | +1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.7M | $19.2M | -$8.4M | -44.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.5M | $2.8M | -$340K | -12.1% |
| Total liabilities | $320.8M | $324.8M | -$4.0M | -1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.2M | $1.2M | $0K | 0.0% |
| Surplus | $3.4M | $3.4M | $0K | 0.0% |
| Retained earnings | $52.2M | $52.0M | +$135K | +0.3% |
| Accumulated other comprehensive income | -$20.1M | -$21.7M | +$1.6M | +7.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $36.6M | $34.9M | +$1.8M | +5.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $230K | $92K | +$138K | +150.0% |
| Adjusted nonperforming assets | $230K | $92K | +$138K | +150.0% |
| Tangible equity plus allowance | $37.4M | $35.6M | +$1.8M | +5.0% |
| Texas ratio (gross) | 0.62% | 0.26% | +0.36 pts | See points |
| Texas ratio (adjusted) | 0.62% | 0.26% | +0.36 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.62% | 0.26% | +0.36 pts | See points |
| Tier 1 capital to risk-weighted assets | 26.28% | 25.93% | +0.35 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 26.28% | 25.93% | +0.35 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.34% | 0.33% | +0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 26.62% | 26.26% | +0.36 pts | See points |
| Tier 1 leverage (approximate) | 14.74% | 14.64% | +0.10 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 69.67% | 72.11% | -2.43 pts | See points |
| Dividend payout, year to date | 73.17% | 72.98% | +0.19 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -44.88% | -48.61% | +3.73 pts | See points |
| Liquidity | ||||
| Core deposits | $307.7M | $302.9M | +$4.8M | +1.6% |
| Non-core funding | $10.7M | $19.2M | -$8.4M | -44.1% |
| Loans to core deposits | 54.05% | 55.67% | -1.62 pts | See points |
| Loans to deposits | 54.05% | 55.67% | -1.62 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 41.50% | 41.19% | +0.31 pts | See points |
| Loans pledged, share of loans | 96.05% | 98.58% | -2.53 pts | See points |
| Volatile liabilities | $10.7M | $19.2M | -$8.4M | -44.1% |
| Earnings | ||||
| Earnings before provision, year to date | $947K | $479K | +$468K | +97.7% |
| Earnings before provision, single quarter | $468K | $479K | -$11K | -2.3% |
| Provision for credit losses, year to date | -$20K | -$28K | +$8K | +28.6% |
| Yield and cost | ||||
| Yield on loans and leases | 4.71% | 4.68% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.88% | 3.40% | +0.48 pts | See points |
| Total interest income to average assets | 3.64% | 3.64% | +0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.19% | 0.21% | -0.02 pts | See points |
| Cost of savings and money market deposits | 0.04% | 0.04% | +0.00 pts | See points |
| Cost of time deposits | 0.17% | 0.25% | -0.08 pts | See points |
| Total interest expense to average assets | 0.19% | 0.27% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $393M | $306M | $159M | 0.62% | 6.76% | 4.02% |
| 2026-06-30 | $357M | $308M | $166M | 0.56% | 5.60% | 4.07% |
| 2026-03-31 | $360M | $303M | $168M | 0.56% | 5.67% | 4.01% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $300.4M | 0.05% | 106 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.