BlastPoint's Banking Scorecard
Commercial Bank and Trust of PA
Micro
Specialty: Other
PA
FDIC cert 14333
Designations: ✓ Community bank
Latrobe, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Commercial Bank and Trust of PA demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 26.88% above tier
- + Tier 1 Capital Ratio 17.06% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.4M
-3.3% YoY
-2.4% QoQ
|
+$144.9M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$169.1M
-6.3% YoY
-2.4% QoQ
|
+$30.0M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$305.5M
+1.3% YoY
+0.1% QoQ
|
+$121.8M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.51%
+6.5% YoY
+4.8% QoQ
|
-0.57% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.86%
+6.8% YoY
+1.0% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
88.59%
-1.8% YoY
-0.1% QoQ
|
+20.86% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.08%
+27.0% YoY
+2.5% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
55.37%
-7.5% YoY
-2.5% QoQ
|
-19.16% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
49.28%
+2.0% YoY
-3.6% QoQ
|
+26.88% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+23.1% YoY
+2.5% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
25.91%
+4.0% YoY
+2.4% QoQ
|
+17.06% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.77%
+5.7% YoY
+36.5% QoQ
|
+0.21% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
49.28%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.91%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.28% · Tier avg: 22.39%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.91% · Tier avg: 8.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
82
82th pctile
Total Assets
Current: $362.4M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $305.5M · Tier avg: $183.7M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
66
66th pctile
Total Loans
Current: $169.1M · Tier avg: $139.2M
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.37% · Tier avg: 74.53%
10
10th pctile
Efficiency Ratio
Current: 88.59% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 88.59% · Tier avg: 67.73%
18
18th pctile
Loan-to-Deposit Ratio
Current: 55.37% · Tier avg: 74.53%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
66
66th pctile
Total Loans
Current: $169.1M · Tier avg: $139.2M
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
82
82th pctile
Total Deposits
Current: $305.5M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $362.4M · Tier avg: $217.5M
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.91% · Tier avg: 8.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.28% · Tier avg: 22.39%