BlastPoint's Banking Scorecard
Commonwealth Community Bank, Inc.
Micro
Specialty: Other
KY
FDIC cert 8126
Designations: ✓ Community bank
Hartford, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Commonwealth Community Bank, Inc. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.66% below tier
- + Non-Interest Income / Assets 0.34% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.19% below tier
- - Net Interest Margin 2.08% below tier
- - Efficiency Ratio 34.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.3M
-1.2% YoY
+1.1% QoQ
|
-$65.2M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$52.1M
+5.9% YoY
+1.1% QoQ
|
-$87.1M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$130.7M
+3.9% YoY
+0.4% QoQ
|
-$53.0M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
-0.10%
+76.4% YoY
+52.7% QoQ
|
-1.19% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
1.77%
+36.3% YoY
+7.6% QoQ
|
-2.08% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
102.26%
-15.6% YoY
-4.1% QoQ
|
+34.53% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.17%
-75.9% YoY
+95.5% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
39.87%
+1.9% YoY
+0.7% QoQ
|
-34.66% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.22%
+3.3% YoY
-2.9% QoQ
|
+12.82% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-74.2% YoY
+95.5% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.90%
+9.3% YoY
+25.6% QoQ
|
+0.34% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
39.87%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.90%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.77%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
102.26%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.87% · Tier avg: 74.53%
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.22% · Tier avg: 22.39%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Total Deposits
Current: $130.7M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $152.3M · Tier avg: $217.5M
21
21th pctile
Total Loans
Current: $52.1M · Tier avg: $139.2M
6
6th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 102.26% · Tier avg: 67.73%
1
1th pctile
Net Interest Margin
Current: 1.77% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.77% · Tier avg: 3.85%
4
4th pctile
Efficiency Ratio
Current: 102.26% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.08%
21
21th pctile
Total Loans
Current: $52.1M · Tier avg: $139.2M
39
39th pctile
Total Assets
Current: $152.3M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $130.7M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.22% · Tier avg: 22.39%
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
94
94th pctile
Loan-to-Deposit Ratio
Current: 39.87% · Tier avg: 74.53%