BlastPoint's Banking Scorecard

Commercial Bank and Trust of PA

$100M-$1B Specialty: Other PA FDIC cert 14333

Latrobe, PA

7 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
Deposits +2.4% year over year ($307.7M on the books).
Delinquency rate 0.14%.
Return on assets 0.56%.
Efficiency ratio 88.13% vs a 64.48% peer average.
Loan-to-deposit ratio 53.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

Commercial Bank and Trust of PA has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 28.81% above tier average
+ Net Interest Margin 0.08% above tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.2% in tier
- Liquidity Overhang: Bottom 45.3% in tier
- Efficiency Ratio 23.65% above tier average
- ROA 0.76% below tier average

Get updates when Commercial Bank and Trust of PA releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$357.5M -2.6% YoY -0.6% QoQ	-$29.1M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$165.6M -6.0% YoY -1.4% QoQ	-$92.8M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$307.7M +2.4% YoY +1.6% QoQ	-$19.1M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	0.56% +15.4% YoY -0.1% QoQ	-0.76%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	Bottom 14.0% in tier
Net Interest Margin ?	4.07% +6.5% YoY +1.4% QoQ	+0.08%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	88.13% -0.5% YoY +0.2% QoQ	+23.65%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	Bottom 7.2% in tier
Delinquency Rate ?	0.14% +163.0% YoY +153.5% QoQ	-0.78%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	53.81% -8.2% YoY -2.9% QoQ	-24.14%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Top 11.4% in tier
Non-Interest-Bearing Deposit Share ?	50.84% -0.1% YoY +1.1% QoQ	+28.81%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	Top 1.4% in tier
Nonperforming Asset Ratio ?	0.06% +154.0% YoY +151.6% QoQ	-0.60%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	26.28% +3.4% YoY +1.4% QoQ	+10.37%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Top 5.8% in tier
Non-Interest Income / Assets ?	0.39% +2.6% YoY +98.8% QoQ	-0.18%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	50.8% 0.0pp YoY +0.6pp QoQ	+28.7pp	22.1%	18.7%	22.2%	98%
Brokered Deposits	n/a	n/a	7.9%	6.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	3.2% -0.7pp YoY -0.1pp QoQ	-8.3pp	11.6%	8.6%	12.5%	11%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	65.8% +1.4pp YoY +0.7pp QoQ	+33.1pp	32.6%	47.8%	31.3%	92%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-3.9pp	4.1%	3.8%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	26.3% +0.9pp YoY +0.4pp QoQ	+7.5pp	18.8%	22.3%	19.7%	90%
Leverage Ratio	14.7% +0.4pp YoY +0.1pp QoQ	+2.6pp	12.2%	13.2%	12.6%	85%
Total Capital Ratio	26.6% +0.8pp YoY +0.4pp QoQ	+6.7pp	19.9%	23.3%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	71 -1 (-1.4%) YoY -1 (-1.4%) QoQ	+12	58	299	482	72%
Assets per Employee ($)	$5.0M -1.3% YoY +0.8% QoQ	-$2.5M	$7.5M	$9.2M	$8.8M	15%
Branch Count	7 0 YoY 0 QoQ	+2	4	20	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.1% +0.1pp YoY +0.1pp QoQ	-0.8pp	0.9%	0.9%	1.0%	23%
Allowance Coverage	3.21x -65.5% YoY -59.6% QoQ	-20.94x	24.15x	3.63x	20.23x	60%
Net Charge-off Rate (YTD)	0.1% -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	5.6% +0.1pp YoY -0.1pp QoQ	-6.6pp	12.2%	10.2%	11.6%	16%
Cost of Funds (YTD)	0.3% -0.2pp YoY 0.0pp QoQ	-1.4pp	1.7%	1.8%	1.7%	1%
Net Income ($, YTD)	$1.0M +12.1% YoY — QoQ	-$1.5M	$2.6M	$18.2M	$40.4M	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#204 of 1256 • Bottom 16.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Overhang

risk

#337 of 742 • Bottom 45.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 26.28%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 53.81%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 50.84%

Peer Median: 22.03%

#39 of 2643 Top 1.4% in $100M-$1B

154

Tier 1 Capital Ratio

capital

Value: 26.28%

Peer Median: 15.91%

#154 of 2643 Top 5.8% in $100M-$1B

303

Loan-to-Deposit Ratio

liquidity

Value: 53.81%

Peer Median: 77.95%

#303 of 2643 Top 11.4% in $100M-$1B

420

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#420 of 2643 Top 15.9% in $100M-$1B

623

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (2 metrics)

2453

Efficiency Ratio

profitability

Value: 88.13%

Peer Median: 64.48%

#2453 of 2643 Bottom 7.2% in $100M-$1B

2273

Return on Assets

profitability

Value: 0.56%

Peer Median: 1.32%

#2273 of 2643 Bottom 14.0% in $100M-$1B