BlastPoint's Banking Scorecard

Commonwealth Community Bank, Inc.

$100M-$1B Specialty: Other KY FDIC cert 8126

Hartford, KY

3 branches across KY

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 88 in KY.
Deposits +5.3% year over year ($134.8M on the books).
Delinquency rate 0.24%.
Return on assets 0.24%.
Efficiency ratio 91.01% vs a 64.48% peer average.
Loan-to-deposit ratio 40.67% 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 88 in KY

View $100M-$1B leaderboard (KY) →

Commonwealth Community Bank, Inc. has 2 strengths but faces 5 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 14.08% above tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 21.6% in tier
- Credit Risk Growth: Bottom 33.7% in tier
- Return on Assets 1.08% below tier average
- Net Interest Margin 1.71% below tier average
- Efficiency Ratio 26.53% above tier average

Get updates when Commonwealth Community Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$157.7M +0.2% YoY +0.0% QoQ	-$228.8M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	16%
Total Loans ?	$54.8M +7.9% YoY +1.7% QoQ	-$203.5M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	Bottom 3.7% in tier
Total Deposits ?	$134.8M +5.3% YoY -1.1% QoQ	-$191.9M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	0.24% +160.3% YoY -20.7% QoQ	-1.08%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	Bottom 6.3% in tier
Net Interest Margin ?	2.28% +43.2% YoY +2.7% QoQ	-1.71%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	Bottom 1.7% in tier
Efficiency Ratio ?	91.01% -20.8% YoY +4.6% QoQ	+26.53%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	Bottom 5.1% in tier
Delinquency Rate ?	0.24% +77.3% YoY +33.8% QoQ	-0.68%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	40.67% +2.5% YoY +2.9% QoQ	-37.28%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	Top 4.4% in tier
Non-Interest-Bearing Deposit Share ?	36.11% +1.7% YoY +1.5% QoQ	+14.08%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	Top 8.6% in tier
Nonperforming Asset Ratio ?	0.08% +91.0% YoY +36.1% QoQ	-0.59%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	73%
Tier 1 Capital Ratio ?	14.71% +2.4% YoY -1.0% QoQ	-1.20%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.38% +0.5% YoY +93.0% QoQ	-0.18%	0.57% +7.6% YoY	0.31% +0.1% 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 (KY)	National Avg	Tier Percentile
Noninterest-Bearing	36.1% +0.6pp YoY +0.5pp QoQ	+14.0pp	22.1%	23.5%	22.2%	91%
Brokered Deposits	n/a	n/a	7.9%	5.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	12.6% +4.9pp YoY +1.1pp QoQ	+1.0pp	11.6%	8.6%	12.5%	66%
CRE	24.6% +1.1pp YoY +0.8pp QoQ	-15.0pp	39.5%	37.1%	41.4%	26%
1-4 Family	52.3% -3.9pp YoY -1.2pp QoQ	+19.7pp	32.6%	41.6%	31.3%	84%
Consumer	10.5% -1.3pp YoY -0.8pp QoQ	+6.4pp	4.1%	4.8%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.2%	19.7%	n/a
Leverage Ratio	14.7% +0.3pp YoY -0.2pp QoQ	+2.5pp	12.2%	14.0%	12.6%	85%
Total Capital Ratio	n/a	n/a	19.9%	21.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	27 0 YoY 0 QoQ	-32	58	105	482	22%
Assets per Employee ($)	$5.8M +0.2% YoY 0.0% QoQ	-$1.7M	$7.5M	$6.3M	$8.8M	30%
Branch Count	3 0 YoY 0 QoQ	-2	4	8	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.2pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.3%	0.4%	70%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	5.19x -47.3% YoY -30.1% QoQ	-18.96x	24.15x	7.45x	20.23x	71%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY	-0.1pp	0.1%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	1.8% +5.3pp YoY -0.5pp QoQ	-10.4pp	12.2%	13.3%	11.6%	6%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.7%	1.7%	26%
Net Income ($, YTD)	$190,000 +159.9% YoY — QoQ	-$2.4M	$2.6M	$5.1M	$40.4M	5%

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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

#272 of 1256 • Bottom 21.6% in tier

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

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#316 of 936 • Bottom 33.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

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 (3 metrics)

118

Loan-to-Deposit Ratio

liquidity

Value: 40.67%

Peer Median: 77.95%

#118 of 2643 Top 4.4% in $100M-$1B

227

Non-Interest-Bearing Deposit Share

funding

Value: 36.11%

Peer Median: 22.03%

#227 of 2643 Top 8.6% in $100M-$1B

437

Non-Interest Income / Assets

revenue_mix

Value: 0.38%

Peer Median: 0.57%

#437 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (6 metrics)

2598

Net Interest Margin

profitability

Value: 2.28%

Peer Median: 3.99%

#2598 of 2643 Bottom 1.7% in $100M-$1B

2546

Total Loans

size

Value: $54.83M

Peer Median: $258.35M

#2546 of 2643 Bottom 3.7% in $100M-$1B

2510

Efficiency Ratio

profitability

Value: 91.01%

Peer Median: 64.48%

#2510 of 2643 Bottom 5.1% in $100M-$1B

2477

Return on Assets

profitability

Value: 0.24%

Peer Median: 1.32%

#2477 of 2643 Bottom 6.3% in $100M-$1B

2215

Total Assets

size

Value: $157.74M

Peer Median: $386.57M

#2215 of 2643 Bottom 16.2% in $100M-$1B

2204

Total Deposits

size

Value: $134.80M

Peer Median: $326.73M

#2204 of 2643 Bottom 16.6% in $100M-$1B