BlastPoint's Banking Scorecard
Commercial Bank and Trust of PA
Latrobe, PA
7 branches across PA
Commercial Bank and Trust of PA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14.6% in tier
- + Non-Interest-Bearing Deposit Share 28.25% above tier average
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43.2% in tier
- - Efficiency Ratio 22.63% above tier average
- - ROA 0.71% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.7M
-2.7% YoY
-0.7% QoQ
|
-$26.4M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$167.9M
-5.7% YoY
-0.7% QoQ
|
-$87.8M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$302.9M
-0.5% YoY
-0.9% QoQ
|
-$25.1M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.56%
+19.3% YoY
+10.3% QoQ
|
-0.71% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.8% in tier |
| Net Interest Margin ? |
4.01%
+6.6% YoY
+4.0% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
87.91%
-0.9% YoY
-0.8% QoQ
|
+22.63% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate ? |
0.05%
-15.9% YoY
-32.8% QoQ
|
-0.83% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
55.43%
-5.2% YoY
+0.1% QoQ
|
-21.20% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Top 13.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
50.27%
+3.8% YoY
+2.0% QoQ
|
+28.25% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Top 1.5% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-18.5% YoY
-32.8% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
25.93%
+2.9% YoY
+0.1% QoQ
|
+10.10% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 5.7% in tier |
| Non-Interest Income / Assets ? |
0.20%
+3.2% YoY
-74.6% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
Top 14.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.